Houchens Food Group, Inc.

Bowling Green, KY RetailNAICS 445110

Self-funded health planPlan year 2025Renews January
1,955Participants-5% vs. prior year
$4.6MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#2 of 6Retail in KYBy participants

Overview

Houchens Food Group, Inc. sponsors a self-funded health plan that covered 1,955 participants in plan year 2025, down 5% from 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
1,955 · prior year 2,060
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Houchens Food Group, Inc. Employee Benefit Plan, plan 501 (1,955 participants)
Stop-loss carrier
Unimerica Insurance Company
Broker compensation
$822K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
United of Omaha Life Insurance CompanyLong-term disability, Short-term disability, Life4,818$2.0M$479K
Unimerica Insurance CompanyMedical, Stop-loss1,763$828K$99K
Delta Dental of KentuckyDental2,692$637K$85K
Anthem Health Plans of KY, Inc.Vision2,631$155K$14K

Pharmacy benefit estimate

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

$4.6M/ year

Estimated prescription spend: 1,955 participants × $2,371 national average per member. Usually higher once dependents are counted.

$121K–$297K/ year

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

Brands with a generic available$35K–$88K
Lower-cost therapeutic alternatives$51K–$108K
Generic pricing vs. actual cost$22K–$67K
PBM contract terms$12K–$35K
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
Houchens Food Group, Inc.
Sponsor EIN
61-0395075
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 61-0395075 in the Department of Labor's EFAST2 Form 5500 search.

About this data

Source: Houchens Food Group, 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 Houchens Food Group, Inc..

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