Ferrell Companies, Inc.

Liberty, MO RetailNAICS 454310

Self-funded health planPlan year 2025Renews January
3,910Participants0% vs. prior year
$9.3MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#4 of 12Retail in MOBy participants

Overview

Ferrell Companies, Inc. sponsors a self-funded health plan that covered 3,910 participants in plan year 2025, about the same as the prior year. The plan year starts in January. Alongside medical, its benefits filing reports life insurance, dental, vision, short-term disability, and more.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
3,910 · prior year 3,914
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Ferrell Companies, Inc. Health and Welfare Benefit Plan, plan 501 (3,910 participants)
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilitySeveranceOther welfare benefits

Insurance carriers

Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.

CarrierCoverageCoveredPremiumBroker comp
Continental American Insurance CompanyLife, Short-term disability, Long-term disability4,386$3.0M—
Vision Service PlanVision2,806$409K—

Pharmacy benefit estimate

StreamRX estimate for a plan this size. Not based on this plan's claims.

$9.3M/ year

Estimated prescription spend: 3,910 participants × $2,371 national average per member. Usually higher once dependents are counted.

$241K–$594K/ year

Typical savings opportunity found in independent reviews of plans this size.

Brands with a generic available$70K–$176K
Lower-cost therapeutic alternatives$103K–$215K
Generic pricing vs. actual cost$44K–$133K
PBM contract terms$23K–$70K
The DOL's PBM fee disclosure rule first applies to this plan for the plan year beginning January 2028: semiannual PBM compensation reports and an annual audit right.

Form 5500 filing details

Filing
Form 5500 with Schedule A, plan year 2025
Plan sponsor
Ferrell Companies, Inc.
Sponsor EIN
43-1688741
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 43-1688741 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Ferrell Companies, Inc. 401(k) Investment Plan
Type
401(k) plan
Participants
5,412

About this data

Source: Ferrell Companies, Inc.'s Form 5500 filing for plan year 2025 and its Schedule A insurance reports, published by the U.S. Department of Labor. "Self-funded" means the filing reports benefits paid from employer assets or a trust, with no medical insurance contract or with a stop-loss contract. Pharmacy figures are StreamRX estimates based on national averages. StreamRX is not affiliated with Ferrell Companies, Inc..

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