True Manufacturing Company

O Fallon, MO ManufacturingNAICS 335900

Self-funded health planPlan year 2025Renews January
2,604Participants+12% vs. prior year
$6.2MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#8 of 46Manufacturing in MOBy participants

Overview

True Manufacturing Company sponsors a self-funded health plan that covered 2,604 participants in plan year 2025, up 12% 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
2,604 · prior year 2,327
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
True MFG. Co. Employee Benefit Plan, plan 507 (2,604 participants)
Broker compensation
$175K 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
Hartford Life and AccidentLife, Short-term disability, Long-term disability2,515$1.7M$175K
Eyemed Vision Care on Behalf of Fidelity Security Life Insurance Co.Vision4,684$172K—

Pharmacy benefit estimate

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

$6.2M/ year

Estimated prescription spend: 2,604 participants × $2,371 national average per member. Usually higher once dependents are counted.

$161K–$396K/ year

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

Brands with a generic available$47K–$117K
Lower-cost therapeutic alternatives$69K–$143K
Generic pricing vs. actual cost$30K–$89K
PBM contract terms$15K–$46K
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
True Manufacturing Company
Sponsor EIN
43-0709967
Plan number
507
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 43-0709967 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
True Manufacturing Company, Inc. 401(k) Plan
Type
401(k) plan
Participants
3,452

About this data

Source: True Manufacturing Company'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 True Manufacturing Company.

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