RCI Beverage-Oh LLC

Moraine, OH Wholesale tradeNAICS 424800

Self-funded health planPlan year 2025Renews January
1,485Participants+7% vs. prior year
$3.5MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#7 of 29Wholesale trade in OHBy participants

Overview

RCI Beverage-Oh LLC sponsors a self-funded health plan that covered 1,485 participants in plan year 2025, up 7% 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
1,485 · prior year 1,385
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
RCI Beverage-Oh LLC Health & Welfare Benefit Plan, plan 501 (1,485 participants)
Broker compensation
$146K 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
Life Insurance Company of North AmericaLife, Long-term disability1,485$503K$80K
Superior Dental Care, Inc.Dental777$304K$27K
American Heritage Life Insurance CompanyHospital, Accident, Critical Illness340$144K$27K
Community Insurance CompanyVision1,273$59K$11K
All One HealthEmployee Assistance Program1,485$29K—

Pharmacy benefit estimate

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

$3.5M/ year

Estimated prescription spend: 1,485 participants × $2,371 national average per member. Usually higher once dependents are counted.

$92K–$226K/ year

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

Brands with a generic available$27K–$67K
Lower-cost therapeutic alternatives$39K–$82K
Generic pricing vs. actual cost$17K–$51K
PBM contract terms$9K–$26K
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
RCI Beverage-Oh LLC
Sponsor EIN
87-3068144
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 87-3068144 in the Department of Labor's EFAST2 Form 5500 search.

About this data

Source: RCI Beverage-Oh 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 RCI Beverage-Oh LLC.

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