Realtruck Group, Inc.

ANN Arbor, MI RetailNAICS 441300

Self-funded health planPlan year 2025Renews January
4,350Participants+6% vs. prior year
$10.3MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#2 of 13Retail in MIBy participants

Overview

Realtruck Group, Inc. sponsors a self-funded health plan that covered 4,350 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, and more.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
4,350 · prior year 4,092
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Realtruck Group, Inc. Welfare Benefit Plan, plan 510 (4,350 participants)
Broker compensation
$270K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityPrepaid legalLong-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
The Lincoln National Life Insurance CompanyLife, Short-term disability, Long-term disability3,723$2.7M$213K
Delta Dental of MichiganDental4,522$1.4M$42K
Vision Service PlanVision2,245$272K$3K
Arag Insurance CompanyLegal866$113K$11K
Health Management SystemsEmployee Assistance Program3,729$65K—

Pharmacy benefit estimate

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

$10.3M/ year

Estimated prescription spend: 4,350 participants × $2,371 national average per member. Usually higher once dependents are counted.

$268K–$661K/ year

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

Brands with a generic available$78K–$196K
Lower-cost therapeutic alternatives$114K–$239K
Generic pricing vs. actual cost$50K–$149K
PBM contract terms$26K–$77K
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
Realtruck Group, Inc.
Sponsor EIN
47-1350873
Plan number
510
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 47-1350873 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Realtruck Retirement Savings Plan
Type
401(k) plan
Participants
5,791

About this data

Source: Realtruck Group, Inc.'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 Realtruck Group, Inc..

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