Virginia Truck Center, Inc. DBA Excel Truck Group

Roanoke, VA RetailNAICS 441228

Self-funded health planPlan year 2025Renews February
579Participants-18% vs. prior year
$1.4MEst. pharmacy spend / yrParticipants × national avg.
Feb 2027Next renewalPlan year begins February 1
#11 of 12Retail in VABy participants

Overview

Virginia Truck Center, Inc. DBA Excel Truck Group sponsors a self-funded health plan that covered 579 participants in plan year 2025, down 18% from the prior year. The plan year starts in February. 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
579 · prior year 703
Plan year
Begins February 1 · next renewal February 2027
Health plans filed
Virginia Truck Center, Inc. DBA Excel Truck Group Health and Welfare Plan, plan 503 (579 participants)
Broker compensation
$158K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Sun Life Assurance Company of CanadaLife, Short-term disability, Long-term disability, Accident, Cancer, Critical Illness755$862K$148K
Ameritas Life Insurance Corp.Vision937$53K$7K
Anthem Health Plans of VirginiaVision1,090$16K—
American Heritage Life Insurance CompanyAccident, Cancer25$15K$2K

Pharmacy benefit estimate

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

$1.4M/ year

Estimated prescription spend: 579 participants × $2,371 national average per member. Usually higher once dependents are counted.

$36K–$88K/ year

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

Brands with a generic available$10K–$26K
Lower-cost therapeutic alternatives$15K–$32K
Generic pricing vs. actual cost$7K–$20K
PBM contract terms$3K–$10K
The DOL's PBM fee disclosure rule first applies to this plan for the plan year beginning February 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
Virginia Truck Center, Inc. DBA Excel Truck Group
Sponsor EIN
54-0481876
Plan number
503
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 54-0481876 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Excel Truck Group 401(k) Plan
Type
401(k) plan
Participants
866

About this data

Source: Virginia Truck Center, Inc. DBA Excel Truck Group'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 Virginia Truck Center, Inc. DBA Excel Truck Group.

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