North American Breweries, Inc.

Rochester, NY ManufacturingNAICS 312120

Self-funded health planPlan year 2025Renews JanuaryCollectively bargained
672Participants-16% vs. prior year
$1.6MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#36 of 45Manufacturing in NYBy participants

Overview

North American Breweries, Inc. sponsors a self-funded health plan that covered 672 participants in plan year 2025, down 16% from the prior year. The plan year starts in January. Alongside medical, its benefits filing reports life insurance, dental, short-term disability, long-term disability, and more.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
672 · prior year 798
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
North American Breweries Inc. Employee Welfare Benefit Plan, plan 502 (672 participants)
Stop-loss carrier
Excellus Blue Cross Blue Shield
Broker compensation
$180K across insured contracts
MedicalLife insuranceDentalShort-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
The Guardian Life Insurance Company of AmericaLife, Short-term disability, Long-term disability672$449K$31K
Excellus Blue Cross Blue ShieldStop-loss554$420K$149K
Employee Network, Inc.EAP760$11K—

Pharmacy benefit estimate

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

$1.6M/ year

Estimated prescription spend: 672 participants × $2,371 national average per member. Usually higher once dependents are counted.

$41K–$102K/ year

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

Brands with a generic available$12K–$30K
Lower-cost therapeutic alternatives$18K–$37K
Generic pricing vs. actual cost$8K–$23K
PBM contract terms$4K–$12K
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
North American Breweries, Inc.
Sponsor EIN
80-0301528
Plan number
502
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 80-0301528 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
North American Breweries, Inc. Employees' Savings and Investment Plan
Type
401(k) plan
Participants
859

About this data

Source: North American Breweries, 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 North American Breweries, Inc..

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