Benefits Litigation

A Minnesota court dismissed Navarro v. Wells Fargo over a pharmacy benefit contract.

In March 2026 a Minnesota federal court dismissed a second complaint alleging a mismanaged pharmacy benefit contract, finding the participants lacked standing.

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The Ruling

What the court decided.

Second Dismissal

The court dismissed a second complaint in March 2026, after an earlier dismissal in March 2025.

No Standing

Participants did not show a concrete injury from the pharmacy benefit contract.

Plan Costs Are Pooled

Contributions fund overall plan costs and participants received the benefits the plan promised.

What It Means for Employers

Practical effects.

Standing Is a Hurdle

Plaintiffs must show personal financial harm to sue over drug pricing.

Fiduciary Duty Remains

The ruling does not remove the duty to monitor service providers prudently.

Appeals Possible

Other courts may see standing differently.

Document Decisions

Keep records of how pharmacy benefit decisions were made.

Common Questions

Quick answers.

Short answers. This is general information, not legal or tax advice.

Does this end drug pricing suits?

No. Other cases proceed, and courts may differ.

What is a PBM?

A pharmacy benefit manager administers the drug benefit for a plan.

What should we do?

Review the pharmacy contract and your oversight records.

Sources

Where the rules and figures come from.

Each figure on this page comes from the source below. Amounts are indexed or updated over time, so confirm current figures before relying on them.

NFP on Navarro v. Wells Fargo

The Minnesota dismissal for lack of standing.

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29 U.S.C. 1104

ERISA fiduciary duties of prudence and loyalty.

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29 U.S.C. 1106

ERISA prohibited transactions between a plan and parties in interest.

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Let’s Get to Work

Send us your renewal.

We’ll tell you whether it looks competitive, where we see opportunity, and the five questions we’d put to your carrier. No cost, and no obligation to move anything.

What to send

The renewal letter
Your current plan summary
Contribution split by tier
Enrolled counts by tier

Four documents — two more if your group is 50 or more. Nothing else; every extra one is a reason to postpone.

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An independent employee benefits consulting firm. We look at the entire benefits program — cost, plan performance, risk and administration.

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