Heinen's, Inc.

Warrensville Heights, OH RetailNAICS 445110

Self-funded health planPlan year 2025Renews June
584Participants+8% vs. prior year
$1.4MEst. pharmacy spend / yrParticipants × national avg.
Jun 2027Next renewalPlan year begins June 1
#28 of 31Retail in OHBy participants

Overview

Heinen's, Inc. sponsors a self-funded health plan that covered 584 participants in plan year 2025, up 8% from the prior year. The plan year starts in June. 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
584 · prior year 539
Plan year
Begins June 1 · next renewal June 2027
Health plans filed
Heinen's Inc. Associate Health and Welfare Plan, plan 510 (584 participants)
Broker compensation
$33K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
The Lincoln National Life Insurance CompanyLife, Long-term disability584$286K$33K
Curalinc, LLC, DBA Curalinc HealthcareEmployee Assistance Program584——

Pharmacy benefit estimate

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

$1.4M/ year

Estimated prescription spend: 584 participants × $2,371 national average per member. Usually higher once dependents are counted.

$36K–$89K/ year

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

Brands with a generic available$11K–$26K
Lower-cost therapeutic alternatives$15K–$32K
Generic pricing vs. actual cost$7K–$20K
PBM contract terms$3K–$10K
The DOL's PBM fee disclosure rule first applies to this plan for the plan year beginning June 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
Heinen's, Inc.
Sponsor EIN
34-0673060
Plan number
510
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 34-0673060 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Heinen's Inc. Associates' Retirement Income Plan
Type
401(k) plan
Participants
1,047

About this data

Source: Heinen's, 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 Heinen's, Inc..

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