Spee-Dee Delivery Service, Inc.

St Cloud, MN Transportation & logisticsNAICS 492110

Self-funded health planPlan year 2025Renews January
1,019Participants0% vs. prior year
$2.4MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#5 of 7Transportation & logistics in MNBy participants

Overview

Spee-Dee Delivery Service, Inc. sponsors a self-funded health plan that covered 1,019 participants in plan year 2025, about the same as the prior year. The plan year starts in January. Alongside medical, its benefits filing reports life insurance, short-term disability.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
1,019 · prior year 1,019
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Spee-Dee Delivery Service, Inc. Cafeteria Plan, plan 501 (1,019 participants)
Stop-loss carrier
Healthpartners
Broker compensation
$111K across insured contracts
MedicalLife insuranceShort-term disability

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Standard Insurance CompanyShort-term disability2,473$382K$39K
Sun Life Assurance Company of CanadaLife1,076$102K$19K
HealthpartnersStop-loss1,522$70K$52K

Pharmacy benefit estimate

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

$2.4M/ year

Estimated prescription spend: 1,019 participants × $2,371 national average per member. Usually higher once dependents are counted.

$63K–$155K/ year

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

Brands with a generic available$18K–$46K
Lower-cost therapeutic alternatives$27K–$56K
Generic pricing vs. actual cost$12K–$35K
PBM contract terms$6K–$18K
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
Spee-Dee Delivery Service, Inc.
Sponsor EIN
41-1530767
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 41-1530767 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Spee DEE Delivery Service, Inc. Retirement Plan
Type
401(k) plan
Participants
1,393

About this data

Source: Spee-Dee Delivery Service, 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 Spee-Dee Delivery Service, Inc..

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