Russell Mccall's, Inc.

Decatur, GA Wholesale tradeNAICS 424400

Self-funded health planPlan year 2025Renews January
1,393Participants+39% vs. prior year
$3.3MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#8 of 26Wholesale trade in GABy participants

Overview

Russell Mccall's, Inc. sponsors a self-funded health plan that covered 1,393 participants in plan year 2025, up 39% 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
1,393 · prior year 1,001
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Gourmet Foods International Health Plan, plan 501 (1,393 participants)
Broker compensation
$100K 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
Hartford Life and AccidentLife, Short-term disability, Long-term disability980$603K$89K
The Guardian Life Insurance Company of AmericaDental, Vision893$103K$10K

Pharmacy benefit estimate

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

$3.3M/ year

Estimated prescription spend: 1,393 participants × $2,371 national average per member. Usually higher once dependents are counted.

$86K–$212K/ year

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

Brands with a generic available$25K–$63K
Lower-cost therapeutic alternatives$37K–$77K
Generic pricing vs. actual cost$16K–$48K
PBM contract terms$8K–$25K
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
Russell Mccall's, Inc.
Sponsor EIN
58-1111091
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 58-1111091 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Gourmet Foods International 401(k) Profit Sharing Plan
Type
401(k) plan
Participants
1,431

About this data

Source: Russell Mccall's, 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 Russell Mccall's, Inc..

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