Stewarts Shops Corp.

Saratoga Springs, NY RetailNAICS 445110

Self-funded health planPlan year 2025Renews January
1,698Participants+15% vs. prior year
$4.0MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#10 of 27Retail in NYBy participants

Overview

Stewarts Shops Corp. sponsors a self-funded health plan that covered 1,698 participants in plan year 2025, up 15% from the prior year. The plan year starts in January. Alongside medical, its benefits filing reports dental, severance.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
1,698 · prior year 1,475
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Group Health Insurance Covering Employees of Stewarts, plan 505 (1,698 participants); Flexible Spending Account Covering Employees of Stewarts, plan 501 (1,145 participants)
MedicalDentalSeverance

Pharmacy benefit estimate

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

$4.0M/ year

Estimated prescription spend: 1,698 participants × $2,371 national average per member. Usually higher once dependents are counted.

$105K–$258K/ year

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

Brands with a generic available$31K–$76K
Lower-cost therapeutic alternatives$45K–$93K
Generic pricing vs. actual cost$19K–$58K
PBM contract terms$10K–$30K
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
Stewarts Shops Corp.
Sponsor EIN
14-1323607
Plan numbers
505, 501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 14-1323607 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Stewart's Shops Corp. Employee Stock Ownership Plan
Type
Defined contribution plan
Participants
5,246

About this data

Source: Stewarts Shops Corp.'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 Stewarts Shops Corp..

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