U.S. Cotton LLC

Gastonia, NC ManufacturingNAICS 339900

Self-funded health planPlan year 2025Renews January
876Participants+29% vs. prior year
$2.1MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#54 of 85Manufacturing in NCBy participants

Overview

U.S. Cotton LLC sponsors a self-funded health plan that covered 876 participants in plan year 2025, up 29% from the prior year. The plan year starts in January.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
876 · prior year 679
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
U.S. Cotton LLC Welfare Plan, plan 501 (876 participants)
Medical

Pharmacy benefit estimate

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

$2.1M/ year

Estimated prescription spend: 876 participants × $2,371 national average per member. Usually higher once dependents are counted.

$54K–$133K/ year

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

Brands with a generic available$16K–$39K
Lower-cost therapeutic alternatives$23K–$48K
Generic pricing vs. actual cost$10K–$30K
PBM contract terms$5K–$16K
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
U.S. Cotton LLC
Sponsor EIN
85-0437023
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 85-0437023 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
U.S. Cotton, LLC Retirement Savings Plan
Type
401(k) plan
Participants
1,111

About this data

Source: U.S. Cotton 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 U.S. Cotton LLC.

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