Houchens Industries, Inc.

Bowling Green, KY RetailNAICS 445110

Self-funded health planPlan year 2025Renews January
1,930Participants+3% vs. prior year
$4.6MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#3 of 6Retail in KYBy participants

Overview

Houchens Industries, Inc. sponsors a self-funded health plan that covered 1,930 participants in plan year 2025, up 3% from the prior year. The plan year starts in January.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
1,930 · prior year 1,867
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Houchens Industries, Inc. and Subsidiaries Medical Plan, plan 502 (1,930 participants)
Stop-loss carrier
Unimerica Insurance Company
Broker compensation
$158K across insured contracts
Medical

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Unimerica Insurance CompanyMedical, Stop-loss1,931$1.3M$158K

Pharmacy benefit estimate

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

$4.6M/ year

Estimated prescription spend: 1,930 participants × $2,371 national average per member. Usually higher once dependents are counted.

$119K–$293K/ year

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

Brands with a generic available$35K–$87K
Lower-cost therapeutic alternatives$51K–$106K
Generic pricing vs. actual cost$22K–$66K
PBM contract terms$11K–$34K
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 Industries, Inc.
Sponsor EIN
20-2505350
Plan number
502
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 20-2505350 in the Department of Labor's EFAST2 Form 5500 search.

About this data

Source: Houchens Industries, 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 Industries, Inc..

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