Four Seasons Produce, Inc.

Ephrata, PA Wholesale tradeNAICS 424400

Self-funded health planPlan year 2025Renews January
830Participants+49% vs. prior year
$2.0MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#14 of 20Wholesale trade in PABy participants

Overview

Four Seasons Produce, Inc. sponsors a self-funded health plan that covered 830 participants in plan year 2025, up 49% from the prior year. The plan year starts in January. Alongside medical, its benefits filing reports life insurance, dental, vision, long-term disability, and more.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
830 · prior year 559
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Four Seasons Produce, Inc. Employee Benefit Plan, plan 505 (830 participants); Four Seasons Produce, Inc. Group Medical Plan, plan 506 (0 participants)
Broker compensation
$5K across insured contracts
MedicalLife insuranceDentalVisionLong-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Life Insurance Company of North AmericaLife, Long-term disability830$262K—
Vision Benefits of AmericaVision551$44K—
Cigna Health and Life Insurance CompanyAccident, Hospital830$36K$5K
Personal Assistance ServicesEmployee Assistance Program830$27K—
Delta Dental of PennsylvaniaDental1,030$112—

Pharmacy benefit estimate

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

$2.0M/ year

Estimated prescription spend: 830 participants × $2,371 national average per member. Usually higher once dependents are counted.

$51K–$126K/ year

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

Brands with a generic available$15K–$37K
Lower-cost therapeutic alternatives$22K–$46K
Generic pricing vs. actual cost$9K–$28K
PBM contract terms$5K–$15K
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
Four Seasons Produce, Inc.
Sponsor EIN
23-2013420
Plan numbers
505, 506
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 23-2013420 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Four Seasons Retirement Savings Plan
Type
401(k) plan
Participants
1,168

About this data

Source: Four Seasons Produce, 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 Four Seasons Produce, Inc..

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