Owens Corning

Toledo, OH ManufacturingNAICS 327210

Self-funded health planPlan year 2025Renews January
847Participants-21% vs. prior year
$2.0MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#89 of 147Manufacturing in OHBy participants

Overview

Owens Corning sponsors a self-funded health plan that covered 847 participants in plan year 2025, down 21% 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
847 · prior year 1,067
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Owens Corning Health Care Plan for Retired OCF Employees, plan 509 (847 participants); Owens Corning Health Care Plan for Survivors & Disabled Persons, plan 514 (90 participants)
Broker compensation
$364K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilitySeveranceDeath benefitsOther welfare benefits

Insurance carriers

Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.

CarrierCoverageCoveredPremiumBroker comp
Metropolitan Life Insurance CompanyAccidental Death & Dismemberment, Life16,896$7.5M$170K
Unum Life Insurance Company of AmericaShort-term disability, Long-term disability6,208$2.2M—
Kaiser Foundation Health Plan Inc.Medical, HMO254$2.2M$130
Kaiser Foundation Health Plan of GeorgiaMedical, HMO182$1.8M—
Aetna Life Insurance Co.Critical Illness4,677$1.7M$184K
Vision Service PlanVision9,687$1.6M—
Capital District Physician's Health Plan Inc.Medical, HMO122$1.6M—
Bluecross Blueshield of IllinoisMedical, HMO132$1.0M—
Aetna Behavioral Health, LLCEmployee Assistance Program17,778$384K—
Ace American Insurance CompanyBusiness Travel Accident18,385$53K$11K
Health and Human Resource CenterEmployee Assistance Program165$5K—

Pharmacy benefit estimate

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

$2.0M/ year

Estimated prescription spend: 847 participants × $2,371 national average per member. Usually higher once dependents are counted.

$52K–$129K/ year

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

Brands with a generic available$15K–$38K
Lower-cost therapeutic alternatives$22K–$47K
Generic pricing vs. actual cost$10K–$29K
PBM contract terms$5K–$15K
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
Owens Corning
Sponsor EIN
43-2109021
Plan numbers
509, 514
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 43-2109021 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Owens Corning Savings and Security Plan
Type
401(k) plan
Participants
7,583

About this data

Source: Owens Corning'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 Owens Corning.

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