Kwik Trip, Inc.

La Crosse, WI RetailNAICS 447100

Self-funded health planPlan year 2024Renews October
34,632ParticipantsFirst year on file
$82.1MEst. pharmacy spend / yrParticipants × national avg.
Oct 2027Next renewalPlan year begins October 1
#1 of 23Retail in WIBy participants

Overview

Kwik Trip, Inc. sponsors a self-funded health plan that covered 34,632 participants in plan year 2024. The plan year starts in October. 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
34,632
Plan year
Begins October 1 · next renewal October 2027
Health plans filed
Kwik Trip, Inc. Employee Welfare Benefit Plan, plan 501 (34,632 participants)
Broker compensation
$533K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Standard Insurance CompanyLife, Short-term disability, Long-term disability18,191$9.5M$501K
American Heritage Life Insurance CompanyAccident, Critical Illness, Cancer6,686$3.6M$7K
Wyssta Insurance Company Inc.Vision9,247$1.6M$2K
Pan-America Life Insurance CompanyAccidental Death and Dismemberment1,066$1.1M$12K
Delta Dental of WisconsinDental2,753$889K$12K

Pharmacy benefit estimate

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

$82.1M/ year

Estimated prescription spend: 34,632 participants × $2,371 national average per member. Usually higher once dependents are counted.

$2.1M–$5.3M/ year

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

Brands with a generic available$624K–$1.6M
Lower-cost therapeutic alternatives$911K–$1.9M
Generic pricing vs. actual cost$394K–$1.2M
PBM contract terms$205K–$616K
The DOL's PBM fee disclosure rule first applies to this plan for the plan year beginning October 2027: semiannual PBM compensation reports and an annual audit right.

Form 5500 filing details

Filing
Form 5500 with Schedule A, plan year 2024
Plan sponsor
Kwik Trip, Inc.
Sponsor EIN
39-1036365
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 39-1036365 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Kwik Trip Profit Sharing 401(k) Plan
Type
401(k) plan
Participants
34,885

About this data

Source: Kwik Trip, Inc.'s Form 5500 filing for plan year 2024 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 Kwik Trip, Inc..

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