The Buckle, Inc.

Kearney, NE RetailNAICS 448190

Self-funded health planPlan year 2025Renews January
2,640Participants+5% vs. prior year
$6.3MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#2 of 9Retail in NEBy participants

Overview

The Buckle, Inc. sponsors a self-funded health plan that covered 2,640 participants in plan year 2025, up 5% 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
2,640 · prior year 2,519
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
The Buckle, Inc. Wrap Plan, plan 511 (2,640 participants)
Broker compensation
$84K 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
Life Insurance Company of North AmericaLife, Short-term disability, Long-term disability2,640$777K$35K
Ameritas Life Insurance CorporationVision2,974$290K$3K
Securian Life Insurance CompanyLife653$186K$46K

Pharmacy benefit estimate

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

$6.3M/ year

Estimated prescription spend: 2,640 participants × $2,371 national average per member. Usually higher once dependents are counted.

$163K–$401K/ year

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

Brands with a generic available$48K–$119K
Lower-cost therapeutic alternatives$69K–$145K
Generic pricing vs. actual cost$30K–$90K
PBM contract terms$16K–$47K
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
The Buckle, Inc.
Sponsor EIN
47-0366193
Plan number
511
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 47-0366193 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Buckle 401(k) Plan
Type
401(k) plan
Participants
3,925

About this data

Source: The Buckle, 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 The Buckle, Inc..

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