Valvoline Instant Oil Change

Farmington, CT Wholesale tradeNAICS 424700

Self-funded health planPlan year 2025Renews January
598Participants0% vs. prior year
$1.4MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#4 of 5Wholesale trade in CTBy participants

Overview

Valvoline Instant Oil Change sponsors a self-funded health plan that covered 598 participants in plan year 2025, about the same as the prior year. The plan year starts in January. Alongside medical, its benefits filing reports life insurance, dental.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
598 · prior year 598
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Valvoline Instant Oil Change Group Life Insurance Plan, plan 501 (598 participants)
Broker compensation
$18K across insured contracts
MedicalLife insuranceDentalOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Reliance Standard Life Insurance CompanyLife658$180K$18K

Pharmacy benefit estimate

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

$1.4M/ year

Estimated prescription spend: 598 participants × $2,371 national average per member. Usually higher once dependents are counted.

$37K–$91K/ year

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

Brands with a generic available$11K–$27K
Lower-cost therapeutic alternatives$16K–$33K
Generic pricing vs. actual cost$7K–$20K
PBM contract terms$4K–$11K
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
Valvoline Instant Oil Change
Sponsor EIN
04-3326294
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 04-3326294 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Galena Associates 401(k) Plan
Type
401(k) plan
Participants
1,317

About this data

Source: Valvoline Instant Oil Change'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 Valvoline Instant Oil Change.

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