Kapco, Inc.

Grafton, WI ManufacturingNAICS 332110

Self-funded health planPlan year 2025Renews January
546Participants+14% vs. prior year
$1.3MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#90 of 95Manufacturing in WIBy participants

Overview

Kapco, Inc. sponsors a self-funded health plan that covered 546 participants in plan year 2025, up 14% from the prior year. The plan year starts in January. Alongside medical, its benefits filing reports life insurance, dental, vision.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
546 · prior year 480
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Kapco, Inc. Health Plan, plan 501 (546 participants)
Broker compensation
$77K across insured contracts
MedicalLife insuranceDentalVisionOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Sun Life Assurance Company of CanadaLife, Short-term disability, Long-term disability581$265K$35K
Delta Dental of WisconsinDental389$184K$8K
Standard Insurance Company—220$104K$31K
NGLVision530$34K$3K

Pharmacy benefit estimate

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

$1.3M/ year

Estimated prescription spend: 546 participants × $2,371 national average per member. Usually higher once dependents are counted.

$34K–$83K/ year

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

Brands with a generic available$10K–$25K
Lower-cost therapeutic alternatives$14K–$30K
Generic pricing vs. actual cost$6K–$19K
PBM contract terms$3K–$10K
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
Kapco, Inc.
Sponsor EIN
39-1176457
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 39-1176457 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Kapco, Inc. 401(k) Profit Sharing Plan
Type
401(k) plan
Participants
728

About this data

Source: Kapco, 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 Kapco, Inc..

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