Helena Agri-Enterprises, LLC

Collierville, TN Wholesale tradeNAICS 424600

Self-funded health planPlan year 2025Renews January
4,530Participants-1% vs. prior year
$10.7MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#1 of 6Wholesale trade in TNBy participants

Overview

Helena Agri-Enterprises, LLC sponsors a self-funded health plan that covered 4,530 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
4,530 · prior year 4,575
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Health and Welfare Benefit Plan for Employees of Helena-Agri Enterprises LLC, plan 501 (4,530 participants); Health and Welfare Benefit Plan for Retirees of Helena Agri-Enterprises, LLC, plan 502 (341 participants)
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
Prudential Insurance Company of AmericaLife, Long-term disability5,533$4.2M—
Cigna Health and Life Insurance CompanyMedicare Prescription Drug Plan380$741K—
Life Insurance Company of North AmericaBusiness Travel Accident4,363$38K—

Pharmacy benefit estimate

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

$10.7M/ year

Estimated prescription spend: 4,530 participants × $2,371 national average per member. Usually higher once dependents are counted.

$279K–$688K/ year

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

Brands with a generic available$82K–$204K
Lower-cost therapeutic alternatives$119K–$249K
Generic pricing vs. actual cost$52K–$155K
PBM contract terms$27K–$81K
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
Helena Agri-Enterprises, LLC
Sponsor EIN
71-0293688
Plan numbers
501, 502
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 71-0293688 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Helena Agri-Enterprises, LLC Savings Plan
Type
401(k) plan
Participants
8,393

About this data

Source: Helena Agri-Enterprises, LLC'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 Helena Agri-Enterprises, LLC.

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