Winco Holdings, Inc.

Boise, ID RetailNAICS 445110

Self-funded health planPlan year 2025Renews January

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22,938Participants+0% vs. prior year

$54.4MEst. pharmacy spend / yrParticipants × national avg.

Jan 2027Next renewalPlan year begins January 1

#2 of 7Retail in IDBy participants

Overview

Winco Holdings, Inc. sponsors a self-funded health plan that covered 22,938 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, vision, short-term disability, and more.

Plan type: ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants: 22,938 · prior year 22,846
Plan year: Begins January 1 · next renewal January 2027
Health plans filed: Winco Holdings, Inc. Employee Benefit Plan, plan 501 (22,938 participants)
Broker compensation: $272K across insured contracts

MedicalLife insuranceDentalVisionShort-term disabilityPrepaid legalLong-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

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

Carrier	Coverage	Covered	Premium	Broker comp
The Lincoln National Life Insurance Company	Life, Long-term disability	22,938	$1.2M	$263K
Legal Shield	Legal	293	$51K	$9K
Hartford Life and Accident	Business Travel Accident	22,938	$2K	$457

Pharmacy benefit estimate

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

$54.4M/ year

Estimated prescription spend: 22,938 participants × $2,371 national average per member. Usually higher once dependents are counted.

$1.4M–$3.5M/ year

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

Brands with a generic available$413K–$1.0M

Lower-cost therapeutic alternatives$604K–$1.3M

Generic pricing vs. actual cost$261K–$783K

PBM contract terms$136K–$408K

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: Winco Holdings, Inc.
Sponsor EIN: 82-0290448
Plan number: 501
Filed with: U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 82-0290448 in the Department of Labor's EFAST2 Form 5500 search.

About this data

Source: Winco Holdings, 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 Winco Holdings, Inc..

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