Pohlad Companies, LLC

Minneapolis, MN Finance & insuranceNAICS 522110

Self-funded health planPlan year 2025Renews January
1,221Participants-19% vs. prior year
$2.9MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#14 of 17Finance & insurance in MNBy participants

Overview

Pohlad Companies, LLC sponsors a self-funded health plan that covered 1,221 participants in plan year 2025, down 19% from the prior year. The plan year starts in January. Alongside medical, its benefits filing reports life insurance, dental, vision, long-term disability, and more.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
1,221 · prior year 1,510
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Pohlad Companies Medical and Dental Plan, plan 503 (1,221 participants); Pohlad Companies, LLC 125 Benefit Plan, plan 505 (121 participants)
Stop-loss carrier
Bcbsmn, Inc., DBA Blue Cross and Blue Shield of Minnesota
Broker compensation
$382K across insured contracts
MedicalLife insuranceDentalVisionLong-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Bcbsmn, Inc., DBA Blue Cross and Blue Shield of MinnesotaMedical, Stop-loss2,703$1.6M$160K
Hartford Life and AccidentLife, Long-term disability2,054$946K$159K
Eyemed Vision Care on Behalf of Fidelity Security Life Insurance Co.Vision1,776$160K$20K
Genworth Life Insurance CompanyLong Term Care110$154K$23K
Reliastar Life Insurance CompanyAccident, Critical Illness467$100K$20K
Concern EAPEmployee Assistance Program1,667$62K—

Pharmacy benefit estimate

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

$2.9M/ year

Estimated prescription spend: 1,221 participants × $2,371 national average per member. Usually higher once dependents are counted.

$75K–$186K/ year

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

Brands with a generic available$22K–$55K
Lower-cost therapeutic alternatives$32K–$67K
Generic pricing vs. actual cost$14K–$42K
PBM contract terms$7K–$22K
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
Pohlad Companies, LLC
Sponsor EIN
37-1452807
Plan numbers
503, 505
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 37-1452807 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Pohlad Companies Retirement Savings Plan
Type
401(k) plan
Participants
2,114

About this data

Source: Pohlad Companies, LLC'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 Pohlad Companies, LLC.

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