Ranch and Home Supply LLC

Bozeman, MT RetailNAICS 444130

Self-funded health planPlan year 2025Renews January
701Participants+6% vs. prior year
$1.7MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#2 of 2Retail in MTBy participants

Overview

Ranch and Home Supply LLC sponsors a self-funded health plan that covered 701 participants in plan year 2025, up 6% from the prior year. The plan year starts in January. Alongside medical, its benefits filing reports life insurance, dental, vision, short-term disability.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
701 · prior year 660
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Ranch and Home Supply LLC Benenft Plans, plan 501 (701 participants)
Stop-loss carrier
Bluecross Blueshield of Montana
Broker compensation
$38K across insured contracts
MedicalLife insuranceDentalVisionShort-term disability

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Bluecross Blueshield of MontanaStop-loss1,116$1.4M$2K
Unum Life Insurance Company of AmericaLife, Critical Illness, Accident, Hospital Ind686$182K$30K
Provident Life and Accident Insurance CompanyLife, Short-term disability287$81K$6K

Pharmacy benefit estimate

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

$1.7M/ year

Estimated prescription spend: 701 participants × $2,371 national average per member. Usually higher once dependents are counted.

$43K–$107K/ year

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

Brands with a generic available$13K–$32K
Lower-cost therapeutic alternatives$18K–$39K
Generic pricing vs. actual cost$8K–$24K
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
Ranch and Home Supply LLC
Sponsor EIN
72-1542483
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 72-1542483 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Ranch and Home Supply, LLC 401(k) Plan
Type
401(k) plan
Participants
2,539

About this data

Source: Ranch and Home Supply 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 Ranch and Home Supply LLC.

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