3e, LLC

Douglasville, GA ConstructionNAICS 237100

Self-funded health planPlan year 2025Renews January
511Participants-5% vs. prior year
$1.2MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#22 of 23Construction in GABy participants

Overview

3e, LLC sponsors a self-funded health plan that covered 511 participants in plan year 2025, down 6% 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
511 · prior year 541
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
3e LLC Benefit Plan, plan 501 (511 participants)
Stop-loss carrier
HM Life Insurance Company
Broker compensation
$96K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
HM Life Insurance CompanyStop-loss318$310K$31K
Greater Georgia Life Insurance CompanyLife, Long-term disability, Short-term disability544$212K$25K
Blue Cross Blue Shield Healthcare Plan of Georgia, Inc.Dental587$141K$7K
Reliastar Life Insurance CompanyAccident, Critical Illness, Hospital Ind288$114K$29K
Metropolitan Life Insurance CompanyVision500$36K$4K

Pharmacy benefit estimate

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

$1.2M/ year

Estimated prescription spend: 511 participants × $2,371 national average per member. Usually higher once dependents are counted.

$32K–$78K/ year

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

Brands with a generic available$9K–$23K
Lower-cost therapeutic alternatives$13K–$28K
Generic pricing vs. actual cost$6K–$17K
PBM contract terms$3K–$9K
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
3e, LLC
Sponsor EIN
66-0962585
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 66-0962585 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
3e, LLC 401(k) Retirement Plan
Type
401(k) plan
Participants
1,165

About this data

Source: 3e, LLC'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 3e, LLC.

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