Unilever United States, Inc.

Englewood Cliffs, NJ ManufacturingNAICS 325600

Self-funded health planPlan year 2025Renews January
503Participants-30% vs. prior year
$1.2MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#76 of 76Manufacturing in NJBy participants

Overview

Unilever United States, Inc. sponsors a self-funded health plan that covered 503 participants in plan year 2025, down 30% 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
503 · prior year 717
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Unicare Health Care Flexible Spending Account, plan 504 (503 participants); Unicare Health Care Plan for Retirees, plan 560 (451 participants); Unilever Retiree Plan for Unilever United States, Inc., plan 524 (237 participants); Unilever Health & Welfare Plan for Hourly Retirees, plan 602 (221 participants)
Broker compensation
$377K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityPrepaid legalLong-term disabilitySeveranceDeath benefitsOther welfare benefits

Insurance carriers

Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.

CarrierCoverageCoveredPremiumBroker comp
UnitedHealthcare Insurance CompanyMedical, Prescription drug, Life, Short-term disability, Long-term disability, HMO, PPO372$2.5M$138K
Securian Life Insurance CompanyLife3,699$1.7M$89K
Metropolitan Life Insurance CompanyShort-term disability, Long-term disability4,716$983K$56K
United Healthcare Insurance CompanyMedical365$899K$64K
Blue Cross of CaliforniaDental, Vision, HMO, PPO229$150K$17K
United Behavioral Health DBA OptumMedical3,729$91K—
Ace American Insurance CompanyAD&D4,154$39K$8K
Unum Insurance CompanyAccident, Hospital, Critical Illness34$24K$4K

Pharmacy benefit estimate

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

$1.2M/ year

Estimated prescription spend: 503 participants × $2,371 national average per member. Usually higher once dependents are counted.

$31K–$76K/ year

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

Brands with a generic available$9K–$23K
Lower-cost therapeutic alternatives$13K–$28K
Generic pricing vs. actual cost$6K–$17K
PBM contract terms$3K–$9K
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
Unilever United States, Inc.
Sponsor EIN
13-2915928
Plan numbers
504, 560, 524, 602
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 13-2915928 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Unicare Savings Plan
Type
401(k) plan
Participants
11,516

About this data

Source: Unilever United States, 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 Unilever United States, Inc..

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