Nestle USA, Inc.
Overview
Nestle USA, Inc. sponsors a self-funded health plan that covered 5,535 participants in plan year 2025, down 5% 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
- 5,535 · prior year 5,843
- Plan year
- Begins January 1 · next renewal January 2027
- Health plans filed
- Nestle Retiree Medical Reimbursement Account Plan, plan 609 (5,535 participants); NON Nescare Retirees, plan 605 (367 participants); Gerber Retiree Medical Plan, plan 503 (114 participants); Nestle Healthcare Nutrition, Inc. Group Health Insurance Plan, plan 540 (96 participants)
- Broker compensation
- $565K across insured contracts
Insurance carriers
Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.
| Carrier | Coverage | Covered | Premium | Broker comp |
|---|---|---|---|---|
| Selecthealth | Medical, HMO | 721 | $12.5M | — |
| Life Insurance Company of North America | Long-term disability | 34,737 | $9.2M | $30K |
| Independent Health | Medical, HMO | 304 | $6.5M | — |
| Health Advantage Blue Cross Blue Shield of Arkansas | Medical, Prescription drug, HMO | 321 | $6.0M | — |
| Securian Life Insurance Company | Life | 93,729 | $5.6M | $311K |
| Kaiser Foundation Health Plan, Inc. (california) | Medical, HMO | 555 | $5.0M | — |
| Spring Health | Employee Assistance Program | 94,121 | $2.7M | — |
| Kaiser Foundation Health Plan of Colorado | Medical, HMO | 363 | $2.2M | — |
| Metropolitan Life Insurance Company | Life | 12,852 | $1.9M | — |
| Cigna Health and Life Insurance Company | Medical, Dental, Vision | 140 | $1.6M | $94K |
| Metropolitan General Insurance Company | Legal | 5,836 | $1.4M | $130K |
| Ace American Insurance Company | Accidental Death & Dismemberment | 34,428 | $57K | — |
Pharmacy benefit estimate
StreamRX estimate for a plan this size. Not based on this plan's claims.
Estimated prescription spend: 5,535 participants × $2,371 national average per member. Usually higher once dependents are counted.
Typical savings opportunity found in independent reviews of plans this size.
Form 5500 filing details
- Filing
- Form 5500 with Schedule A, plan year 2025
- Plan sponsor
- Nestle USA, Inc.
- Sponsor EIN
- 95-1572209
- Plan numbers
- 609, 605, 503, 540
- Filed with
- U.S. Department of Labor (EBSA) via EFAST2
Verify this filing: search EIN 95-1572209 in the Department of Labor's EFAST2 Form 5500 search.
Retirement plan
- Plan
- Nestle 401(k) Savings Plan
- Type
- 401(k) plan
- Participants
- 50,516
About this data
Source: Nestle USA, 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 Nestle USA, Inc..