Hudson Automotive Group

Charleston, SC RetailNAICS 441110

Self-funded health planPlan year 2025Renews January
4,448Participants+11% vs. prior year
$10.5MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#1 of 5Retail in SCBy participants

Overview

Hudson Automotive Group sponsors a self-funded health plan that covered 4,448 participants in plan year 2025, up 11% 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
4,448 · prior year 3,996
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Hudson Automotive Group Welfare Benefit Plan, plan 501 (4,448 participants)
Broker compensation
$1.2M across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityPrepaid legalLong-term disabilityDeath benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Reliance Standard Life Insurance CompanyLife, Short-term disability, Long-term disability4,448$3.9M$823K
Metropolitan Life Insurance CompanyDental, Vision5,187$2.1M$330K
MetLife Legal PlansLegal895$150K$18K

Pharmacy benefit estimate

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

$10.5M/ year

Estimated prescription spend: 4,448 participants × $2,371 national average per member. Usually higher once dependents are counted.

$274K–$676K/ year

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

Brands with a generic available$80K–$200K
Lower-cost therapeutic alternatives$117K–$245K
Generic pricing vs. actual cost$51K–$152K
PBM contract terms$26K–$79K
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
Hudson Automotive Group
Sponsor EIN
82-3482909
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 82-3482909 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Hudson Automotive Group 401(k) Retirement Plan
Type
401(k) plan
Participants
3,271

About this data

Source: Hudson Automotive Group'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 Hudson Automotive Group.

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