Zippo Manufacturing Company

Bradford, PA ManufacturingNAICS 332900

Self-funded health planPlan year 2025Renews January
1,082Participants-2% vs. prior year
$2.6MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#59 of 105Manufacturing in PABy participants

Overview

Zippo Manufacturing Company sponsors a self-funded health plan that covered 1,082 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
1,082 · prior year 1,100
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Zippo Manufacturing Company and W.r. Case & Sons Cutlery Company Health and Welfare Plan, plan 502 (1,082 participants)
Broker compensation
$118K 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
Symetra Life Insurance CompanyLife, Short-term disability, Long-term disability, Accident, Critical Illness, Hospital Ind817$850K$106K
Vision Service PlanVision653$67K—
Mass MutualLife66—$11K

Pharmacy benefit estimate

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

$2.6M/ year

Estimated prescription spend: 1,082 participants × $2,371 national average per member. Usually higher once dependents are counted.

$67K–$164K/ year

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

Brands with a generic available$19K–$49K
Lower-cost therapeutic alternatives$28K–$60K
Generic pricing vs. actual cost$12K–$37K
PBM contract terms$6K–$19K
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
Zippo Manufacturing Company
Sponsor EIN
25-0920247
Plan number
502
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 25-0920247 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Zippo and Affiliates 401(k) Plan
Type
401(k) plan
Participants
1,108

About this data

Source: Zippo Manufacturing Company'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 Zippo Manufacturing Company.

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