Acts Retirement - Life Communities, Inc.

Ft. Washington, PA Health careNAICS 623000

Self-funded health planPlan year 2025Renews January
4,721Participants+0% vs. prior year
$11.2MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#14 of 64Health care in PABy participants

Overview

Acts Retirement - Life Communities, Inc. sponsors a self-funded health plan that covered 4,721 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
4,721 · prior year 4,712
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Acts Health and Welfare Plan, plan 505 (4,721 participants)
Broker compensation
$372K 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
Lincoln National Life Insurance CompanyLife, Long-term disability4,689$1.6M$123K
Vision Service PlanVision3,022$410K$9K
The Lincoln National Life Insurance CompanyHospital Indemnity, Accident, Critical Illness531$339K$240K
Cigna Health and Life Insurance CompanyDental, HMO583$91K—
Federal Insurance CompanyBusiness Travel Accident707——

Pharmacy benefit estimate

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

$11.2M/ year

Estimated prescription spend: 4,721 participants × $2,371 national average per member. Usually higher once dependents are counted.

$291K–$718K/ year

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

Brands with a generic available$85K–$213K
Lower-cost therapeutic alternatives$124K–$260K
Generic pricing vs. actual cost$54K–$161K
PBM contract terms$28K–$84K
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
Acts Retirement - Life Communities, Inc.
Sponsor EIN
23-1900132
Plan number
505
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 23-1900132 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Acts Retirement - Life Communities, Inc. Retirement Savings Plan - 401(k)
Type
401(k) plan
Participants
7,386

About this data

Source: Acts Retirement - Life Communities, 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 Acts Retirement - Life Communities, Inc..

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