John a Biewer Co., Inc.

Saint Clair, MI Wholesale tradeNAICS 423300

Self-funded health planPlan year 2025Renews January
623Participants+3% vs. prior year
$1.5MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#19 of 21Wholesale trade in MIBy participants

Overview

John a Biewer Co., Inc. sponsors a self-funded health plan that covered 623 participants in plan year 2025, up 3% 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
623 · prior year 608
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
John a Biewer Lumber Company, Inc. Employee Health Plan, plan 501 (623 participants)
Stop-loss carrier
Sun Life Assurance Company of Canada
Broker compensation
$953K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disability

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Sun Life Assurance Company of CanadaStop-loss621$1.2M$122K
United of Omaha Life Insurance CompanyLife, Short-term disability, Critical Illness Voluntary, Long-term disability776$507K$98K
Delta Dental of MichiganDental1,166$244K$727K
Fidelity Security Life Insurance Company—1,001$70K$7K

Pharmacy benefit estimate

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

$1.5M/ year

Estimated prescription spend: 623 participants × $2,371 national average per member. Usually higher once dependents are counted.

$38K–$95K/ year

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

Brands with a generic available$11K–$28K
Lower-cost therapeutic alternatives$16K–$34K
Generic pricing vs. actual cost$7K–$21K
PBM contract terms$4K–$11K
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
John a Biewer Co., Inc.
Sponsor EIN
38-2410540
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 38-2410540 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
John a. Biewer Company, Inc. 401(k) Plan & Trust
Type
401(k) plan
Participants
1,220

About this data

Source: John a Biewer Co., 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 John a Biewer Co., Inc..

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