Wawa, Inc.

Wawa, PA RetailNAICS 445120

Self-funded health planPlan year 2025Renews January
23,565Participants+5% vs. prior year
$55.9MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#3 of 33Retail in PABy participants

Overview

Wawa, Inc. sponsors a self-funded health plan that covered 23,565 participants in plan year 2025, up 5% 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
23,565 · prior year 22,432
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Wawa, Inc. Group Life and Health Plan for Salaried and Hourly Employees, plan 503 (23,565 participants)
Broker compensation
$259K 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
Spring HealthEmployee Assistance Program139,865$6.6M—
Life Insurance Company of North AmericaLife, Accidental Death and Dismemberment, Long-term disability23,583$6.6M$259K
Fidelity Security Life Insurance CompanyVision24,273$1.9M—

Pharmacy benefit estimate

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

$55.9M/ year

Estimated prescription spend: 23,565 participants × $2,371 national average per member. Usually higher once dependents are counted.

$1.5M–$3.6M/ year

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

Brands with a generic available$425K–$1.1M
Lower-cost therapeutic alternatives$620K–$1.3M
Generic pricing vs. actual cost$268K–$805K
PBM contract terms$140K–$419K
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
Wawa, Inc.
Sponsor EIN
21-0515330
Plan number
503
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 21-0515330 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Wawa, Inc. Employee Stock Ownership Plan
Type
Defined contribution plan
Participants
53,925

About this data

Source: Wawa, 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 Wawa, Inc..

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