Refrigeration Supplies Distributor

Lake Forest, CA Wholesale tradeNAICS 423700

Self-funded health planPlan year 2024Renews May
670ParticipantsFirst year on file
$1.6MEst. pharmacy spend / yrParticipants × national avg.
May 2027Next renewalPlan year begins May 1
#14 of 18Wholesale trade in CABy participants

Overview

Refrigeration Supplies Distributor sponsors a self-funded health plan that covered 670 participants in plan year 2024. The plan year starts in May. 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
670
Plan year
Begins May 1 · next renewal May 2027
Health plans filed
Refrigeration Supplies Distributor Employee Medical Plan, plan 501 (670 participants)
Broker compensation
$67K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityDeath benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Prudential Insurance Company of AmericaLife, Short-term disability, Long-term disability660$577K$67K

Pharmacy benefit estimate

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

$1.6M/ year

Estimated prescription spend: 670 participants × $2,371 national average per member. Usually higher once dependents are counted.

$41K–$102K/ year

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

Brands with a generic available$12K–$30K
Lower-cost therapeutic alternatives$18K–$37K
Generic pricing vs. actual cost$8K–$23K
PBM contract terms$4K–$12K
The DOL's PBM fee disclosure rule first applies to this plan for the plan year beginning May 2028: semiannual PBM compensation reports and an annual audit right.

Form 5500 filing details

Filing
Form 5500 with Schedule A, plan year 2024
Plan sponsor
Refrigeration Supplies Distributor
Sponsor EIN
95-1262130
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 95-1262130 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Refrigeration Supplies Distributor Defined Contribution Retirement Plan & Trust
Type
401(k) plan
Participants
802

About this data

Source: Refrigeration Supplies Distributor's Form 5500 filing for plan year 2024 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 Refrigeration Supplies Distributor.

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