TA Operating LLC

Westlake, OH RetailNAICS 447100

Self-funded health planPlan year 2025Renews January
17,649Participants-4% vs. prior year
$41.8MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#3 of 31Retail in OHBy participants

Overview

TA Operating LLC sponsors a self-funded health plan that covered 17,649 participants in plan year 2025, down 4% 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
17,649 · prior year 18,345
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
TA Operating LLC Employee Benefits Plan, plan 501 (17,649 participants)
Stop-loss carrier
Sun Life Assurance Company of Canada
Broker compensation
$497K 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
Sun Life Assurance Company of CanadaShort-term disability, Life, Long-term disability, Stop-loss3,255$3.5M$201K
The Standard-American Heritage Life Insurance CompanyAccident, Critical Illness, Hospital Indemnity1,482$992K$243K
Eyemed Vision CareVision3,607$726K$34K
Kaiser Foundation Health Plan of the NorthwestMedical, Prescription drug, HMO25$247K—
Continental American Insurance CompanyShort-term disability426$126K$19K
National Union Fire Insurance Company of PittsburghBusiness Travel Accident17,453——

Pharmacy benefit estimate

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

$41.8M/ year

Estimated prescription spend: 17,649 participants × $2,371 national average per member. Usually higher once dependents are counted.

$1.1M–$2.7M/ year

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

Brands with a generic available$318K–$795K
Lower-cost therapeutic alternatives$464K–$971K
Generic pricing vs. actual cost$201K–$603K
PBM contract terms$105K–$314K
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
TA Operating LLC
Sponsor EIN
34-1747077
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 34-1747077 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
TA Operating LLC 401(k) Savings Plan
Type
401(k) plan
Participants
20,149

About this data

Source: TA Operating LLC'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 TA Operating LLC.

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