Sapp Bros., Inc.

Omaha, NE Wholesale tradeNAICS 424700

Self-funded health planPlan year 2025Renews April

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571Participants+1% vs. prior year

$1.4MEst. pharmacy spend / yrParticipants × national avg.

Apr 2027Next renewalPlan year begins April 1

#7 of 7Wholesale trade in NEBy participants

Overview

Sapp Bros., Inc. sponsors a self-funded health plan that covered 571 participants in plan year 2025, about the same as the prior year. The plan year starts in April. 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: 571 · prior year 567
Plan year: Begins April 1 · next renewal April 2027
Health plans filed: Sapp Bros, Inc. Health and Welfare Plan, plan 503 (571 participants)
Broker compensation: $81K 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.

Carrier	Coverage	Covered	Premium	Broker comp
The Guardian Life Insurance Company of America	Life, Short-term disability, Long-term disability	363	$411K	$74K
Fidelity Security Life Insurance Company	Vision	1,021	$64K	$7K

Pharmacy benefit estimate

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

$1.4M/ year

Estimated prescription spend: 571 participants × $2,371 national average per member. Usually higher once dependents are counted.

$35K–$87K/ year

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

Brands with a generic available$10K–$26K

Lower-cost therapeutic alternatives$15K–$31K

Generic pricing vs. actual cost$6K–$19K

PBM contract terms$3K–$10K

The DOL's PBM fee disclosure rule first applies to this plan for the plan year beginning April 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: Sapp Bros., Inc.
Sponsor EIN: 47-0619972
Plan number: 503
Filed with: U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 47-0619972 in the Department of Labor's EFAST2 Form 5500 search.

About this data

Source: Sapp Bros., 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 Sapp Bros., Inc..

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