Rowe Fine Furniture Inc.

Elliston, VA ManufacturingNAICS 337000

Self-funded health planPlan year 2025Renews January
582Participants+3% vs. prior year
$1.4MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#31 of 33Manufacturing in VABy participants

Overview

Rowe Fine Furniture Inc. sponsors a self-funded health plan that covered 582 participants in plan year 2025, up 3% 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
582 · prior year 567
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Rowe Fine Furniture Inc. Employee Benefits Plan, plan 501 (582 participants)
Stop-loss carrier
Anthem Health Plans of Virginia DBA Anthem Bcbs
Broker compensation
$13K 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
Anthem Health Plans of Virginia DBA Anthem BcbsMedical, Vision, PPO, Stop-loss946$711K$2K
Delta Dental of VirginiaDental578$177K$2K
Carilion EAPEmployee Assistance Program582$7K—

Pharmacy benefit estimate

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

$1.4M/ year

Estimated prescription spend: 582 participants × $2,371 national average per member. Usually higher once dependents are counted.

$36K–$88K/ year

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

Brands with a generic available$10K–$26K
Lower-cost therapeutic alternatives$15K–$32K
Generic pricing vs. actual cost$7K–$20K
PBM contract terms$3K–$10K
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
Rowe Fine Furniture Inc.
Sponsor EIN
20-8233741
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 20-8233741 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Rowe Fine Furniture, Inc. 401(k) Plan
Type
401(k) plan
Participants
882

About this data

Source: Rowe Fine Furniture 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 Rowe Fine Furniture Inc..

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