Purcell Tire & Rubber Company

Potosi, MO RetailNAICS 441300

Self-funded health planPlan year 2025Renews January
1,085Participants+25% vs. prior year
$2.6MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#9 of 12Retail in MOBy participants

Overview

Purcell Tire & Rubber Company sponsors a self-funded health plan that covered 1,085 participants in plan year 2025, up 25% 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
1,085 · prior year 870
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Purcell Tire & Rubber Company Insurance Plan, plan 501 (1,085 participants)
Stop-loss carrier
HM Life Insurance Company
Broker compensation
$169K across insured contracts
MedicalLife insuranceDentalVisionShort-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
HM Life Insurance CompanyStop-loss657$1.9M—
Standard Insurance CompanyLife, Long-term disability, Short-term disability, Vision, Dental847$1.2M$169K

Pharmacy benefit estimate

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

$2.6M/ year

Estimated prescription spend: 1,085 participants × $2,371 national average per member. Usually higher once dependents are counted.

$67K–$165K/ year

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

Brands with a generic available$20K–$49K
Lower-cost therapeutic alternatives$29K–$60K
Generic pricing vs. actual cost$12K–$37K
PBM contract terms$6K–$19K
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
Purcell Tire & Rubber Company
Sponsor EIN
43-0922026
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 43-0922026 in the Department of Labor's EFAST2 Form 5500 search.

About this data

Source: Purcell Tire & Rubber Company'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 Purcell Tire & Rubber Company.

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