Macarthur Company

St. Paul, MN Wholesale tradeNAICS 423100

Self-funded health planPlan year 2025Renews January
1,336Participants+3% vs. prior year
$3.2MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#6 of 15Wholesale trade in MNBy participants

Overview

Macarthur Company sponsors a self-funded health plan that covered 1,336 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
1,336 · prior year 1,294
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Macarthur Company Medical and Dental Expense Plan, plan 502 (1,336 participants); Macarthur Company Health Flexible Spending Account Plan, plan 505 (240 participants)
Broker compensation
$159K 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
United of Omaha Life Insurance CompanyLife, Short-term disability, Long-term disability1,336$717K$141K
Vision Service PlanVision835$173K$18K

Pharmacy benefit estimate

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

$3.2M/ year

Estimated prescription spend: 1,336 participants × $2,371 national average per member. Usually higher once dependents are counted.

$82K–$203K/ year

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

Brands with a generic available$24K–$60K
Lower-cost therapeutic alternatives$35K–$73K
Generic pricing vs. actual cost$15K–$46K
PBM contract terms$8K–$24K
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
Macarthur Company
Sponsor EIN
41-0388120
Plan numbers
502, 505
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 41-0388120 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Macarthur Co. Esop & 401(k) Plan
Type
401(k) plan
Participants
1,771

About this data

Source: Macarthur Company'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 Macarthur Company.

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