UFCW & Employers Trust

What UFCW & Employers Trust does

UFCW & Employers Trust is a non-profit healthcare benefit administrator headquartered in Concord, California, founded in 1957. The organization administers healthcare benefits for employers operating in the grocery and pharmacy industry, consistent with the "UFCW" designation indicating affiliation with the United Food and Commercial Workers union and the multi-employer Taft-Hartley trust model commonly used to pool benefit contributions across participating employers in unionized industries.

The organization employs between 101 and 250 people and has operated continuously for approximately six decades, indicating a mature, established operational footprint. As a non-profit entity, its revenue mechanics are tied to employer contributions and administrative fees rather than equity-financed growth, and it operates outside the conventional venture-backed funding paradigm. The company's web presence (ufcwtrust.com) is positioned as a resource for participating employers and members, though substantive details on plan design, technology platform, service tiers, or geographic scope are not available in the current data set.

The input does not disclose specific products, pricing, customer roster, partnerships, technology stack, or recent strategic initiatives. Leadership data is limited to a single named individual, Carrie White, serving as Senior Director of Human Resources. As a result, while the functional description of the organization is clear, the operational, commercial, and technical specifics that would normally underpin a deeper investment thesis are absent from the available evidence.

Name

UFCW & Employers Trust

Website

https://ufcwtrust.com

Company type

Private

Founded year

1957

Headcount range

101–250 employees

Short description

UFCW & Employers Trust is a non-profit healthcare benefit administrator, founded in 1957 and based in Concord, California, that administers health benefits for employers in the grocery and pharmacy industry under a multi-employer trust structure affiliated with the UFCW union.

Ownership category

akta.pro rank

Product category

Healthcare Benefits Administration

NAICS

Health and Welfare Funds (525120), Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292), Other Insurance Funds (525190)

SIC

Hospital & Medical Service Plans (6324), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Flexible Benefits Administration (FSA/HSA/HRA) (HLAEALAK)

Keywords

• Health benefits administration
• Taft-Hartley health plans
• Union employer benefits
• Healthcare plan management
• Grocery industry benefits

Headquarters

HQ city

Concord

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations

Core offering

UFCW & Employers Trust is a healthcare administrator that administers health benefit plans for employers in the grocery and pharmacy industry. Operating as a nonprofit trust since 1957, the organization provides health plan administration services to unionized and non-union employers in these specific sectors.

Differentiator

Problem solved

Functional benefit

Products and services

• Healthcare Benefits Administration

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Direct peers

• UFCW National Health & Welfare Fund: The national-level health and welfare fund associated with UFCW International, administering benefits for UFCW members and their families. UFCW & Employers Trust is a direct regional peer operating the same mission at a local/concentrated industry level within the UFCW-affiliated trust ecosystem.
• Mid-America Carpenters Regional Council Benefit Funds: A Taft-Hartley multi-employer benefit fund providing health and welfare benefits to unionized carpenters and their employers. Operates the same structural model as UFCW & Employers Trust — pooled contributions, employer-board governance, and union-affiliated administration — making it a structurally identical peer.
• Central States, Southeast and Southwest Areas Health and Welfare Fund: One of the largest multi-employer health and welfare funds in the U.S., serving Teamsters members and participating employers across multiple industries. Shares the same plan design, regulatory regime, and operational complexity as UFCW & Employers Trust.

Broad incumbents

• Elevance Health (Anthem): A national Blue Cross Blue Shield-affiliated health insurer offering group, fully-insured, and self-funded administration products to employers. Represents the scale incumbent competing for the same employer-sponsored health benefits administration contracts that UFCW & Employers Trust serves.
• UnitedHealth Group (Optum): The largest U.S. health insurer and benefits administrator with national TPA capabilities, integrated PBM, and digital platforms. Competes for the same employer/union plan administration RFPs as UFCW & Employers Trust but at vastly greater scale.
• Cigna Group (Evernorth): A major national health insurer with a large stop-loss, group, and self-funded administration business. Targets multi-employer trust and employer-sponsor clients analogous to UFCW & Employers Trust, including grocery and pharmacy employers in Cigna's commercial book.
• Health Care Service Corporation (HCSC): The largest customer-owned health insurer in the U.S., serving employer, government, and individual markets across multiple states. Competes for mid-sized and multi-employer group administration accounts that are structurally similar to those served by UFCW & Employers Trust.
• CVS Health (Aetna / Caremark): Owns both a national health insurer (Aetna) and a leading PBM (Caremark) that administers pharmacy and integrated medical benefits for employers and unions. Particularly relevant for pharmacy employer clients that overlap with UFCW & Employers Trust's stated vertical.

Others

• Mercer (Marsh McLennol): A global benefits consultancy and TPA-adjacent services provider advising employers (including grocery/pharmacy clients and Taft-Hartley plans) on benefit strategy, vendor selection, and administration. Sits in the value chain influencing UFCW & Employers Trust's RFP competitiveness and broker relationships.
• Wakely (an employee of Marsh McLennol): An actuarial and consulting firm specializing in health insurance, value-based care, and multi-employer trust plan analytics. Provides peer-level actuarial services and benchmarking that UFCW & Employers Trust and competing trusts rely on for funding and pricing decisions.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat2 records

Key risks6 records

Key highlights5 records

Customer concentration

• Xx.com/UFCWTFO
• Facebookfacebook.com/UFCWEmployersTFO

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about UFCW & Employers Trust