North American Holdings, Inc.

Bismarck, ND Transportation & logisticsNAICS 484110

Self-funded health planPlan year 2025Renews January
950Participants0% vs. prior year
$2.3MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#2 of 2Transportation & logistics in NDBy participants

Overview

North American Holdings, Inc. sponsors a self-funded health plan that covered 950 participants in plan year 2025, about the same as 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
950 · prior year 950
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
North American Holdings, Inc. Health and Welfare Wrap Plan, plan 510 (950 participants)
Broker compensation
$60K across insured contracts
MedicalLife insuranceDentalVisionShort-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 disability832$213K$14K
Continental American Insurance CompanyAccident, Critical Illness, Hospital302$100K$39K
Fidelity Security Life Insurance CompanyVision744$80K$8K
Live Well Solutions, LLCEmployee Assistance Program950$17K—

Pharmacy benefit estimate

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

$2.3M/ year

Estimated prescription spend: 950 participants × $2,371 national average per member. Usually higher once dependents are counted.

$59K–$144K/ year

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

Brands with a generic available$17K–$43K
Lower-cost therapeutic alternatives$25K–$52K
Generic pricing vs. actual cost$11K–$32K
PBM contract terms$6K–$17K
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 Holdings, Inc.
Sponsor EIN
30-1081818
Plan number
510
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 30-1081818 in the Department of Labor's EFAST2 Form 5500 search.

About this data

Source: North American Holdings, 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 Holdings, Inc..

Request a correction · Methodology