J&b Group, Inc.

St Michael, MN Wholesale tradeNAICS 424400

Self-funded health planPlan year 2025Renews January
754Participants-8% vs. prior year
$1.8MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#13 of 15Wholesale trade in MNBy participants

Overview

J&b Group, Inc. sponsors a self-funded health plan that covered 754 participants in plan year 2025, down 8% 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
754 · prior year 817
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
J & B Group, Inc. Welfare Benefit Plan, plan 501 (754 participants)
Broker compensation
$75K 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, Life, Critical Illness, Accident, Hospital Indemnity556$368K$69K
First Stop Health, LLCVirtual Urgent Care/mental Health422$42K—
Fidelity Security Life Insurance CompanyVision689$27K$6K

Pharmacy benefit estimate

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

$1.8M/ year

Estimated prescription spend: 754 participants × $2,371 national average per member. Usually higher once dependents are counted.

$46K–$115K/ year

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

Brands with a generic available$14K–$34K
Lower-cost therapeutic alternatives$20K–$41K
Generic pricing vs. actual cost$9K–$26K
PBM contract terms$4K–$13K
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
J&b Group, Inc.
Sponsor EIN
41-1806598
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 41-1806598 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
J & B Group, Inc. 401(k) Plan and Trust
Type
401(k) plan
Participants
901

About this data

Source: J&b 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 J&b Group, Inc..

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