Tire Discounters, Inc.

Cincinnati, OH RetailNAICS 441300

Self-funded health planPlan year 2025Renews January
1,857Participants+6% vs. prior year
$4.4MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#12 of 31Retail in OHBy participants

Overview

Tire Discounters, Inc. sponsors a self-funded health plan that covered 1,857 participants in plan year 2025, up 6% 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
1,857 · prior year 1,745
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Tire Discounters, Inc. Employee Benefits Plan, plan 501 (1,857 participants)
Broker compensation
$84K 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.

CarrierCoverageCoveredPremiumBroker comp
Life Insurance Company of North AmericaLife, Short-term disability, Long-term disability2,206$844K$3K
Cigna Health and Life Insurance CompanyCritical Illness, Hospital, Accident2,206$342K$81K
Eyemed Vision Care on Behalf of the Fidelity Security Life Ins. Co.Vision1,713$93K—

Pharmacy benefit estimate

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

$4.4M/ year

Estimated prescription spend: 1,857 participants × $2,371 national average per member. Usually higher once dependents are counted.

$114K–$282K/ year

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

Brands with a generic available$33K–$84K
Lower-cost therapeutic alternatives$49K–$102K
Generic pricing vs. actual cost$21K–$63K
PBM contract terms$11K–$33K
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
Tire Discounters, Inc.
Sponsor EIN
31-1101497
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 31-1101497 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Tire Discounters Retirement Savings Plan
Type
401(k) plan
Participants
3,063

About this data

Source: Tire Discounters, 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 Tire Discounters, Inc..

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