M. E. Fields, Inc.

Orlando, FL RetailNAICS 441110

Self-funded health planPlan year 2025Renews February
2,355Participants+6% vs. prior year
$5.6MEst. pharmacy spend / yrParticipants × national avg.
Feb 2027Next renewalPlan year begins February 1
#9 of 34Retail in FLBy participants

Overview

M. E. Fields, Inc. sponsors a self-funded health plan that covered 2,355 participants in plan year 2025, up 6% from the prior year. The plan year starts in February. 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
2,355 · prior year 2,220
Plan year
Begins February 1 · next renewal February 2027
Health plans filed
Fields Auto Group Employee Benefits Plan, plan 501 (2,355 participants)
Broker compensation
$58K 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
Metropolitan Life Insurance CompanyVision, Life, Long-term disability3,028$697K$58K

Pharmacy benefit estimate

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

$5.6M/ year

Estimated prescription spend: 2,355 participants × $2,371 national average per member. Usually higher once dependents are counted.

$145K–$358K/ year

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

Brands with a generic available$42K–$106K
Lower-cost therapeutic alternatives$62K–$130K
Generic pricing vs. actual cost$27K–$80K
PBM contract terms$14K–$42K
The DOL's PBM fee disclosure rule first applies to this plan for the plan year beginning February 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
M. E. Fields, Inc.
Sponsor EIN
36-2713672
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 36-2713672 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Fields Profit Sharing and Savings Plan
Type
401(k) plan
Participants
2,347

About this data

Source: M. E. Fields, 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 M. E. Fields, Inc..

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