AI Fire, LLC

Long Beach, CA ConstructionNAICS 238900

Self-funded health planPlan year 2025Renews January
2,057Participants+18% vs. prior year
$4.9MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#4 of 12Construction in CABy participants

Overview

AI Fire, LLC sponsors a self-funded health plan that covered 2,057 participants in plan year 2025, up 18% 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
2,057 · prior year 1,742
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
AI Fire, LLC Welfare Benefit Plan, plan 501 (2,057 participants)
Stop-loss carrier
QBE Insurance
Broker compensation
$475K 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
QBE InsuranceStop-loss1,525$1.9M$131K
Reliance Standard Life Insurance CompanyVoluntary Critical Illness, Voluntary Accident, Medical, Life, Long-term disability, Short-term disability, Accidental Death & Dismemberment2,035$1.6M$330K
UnitedHealthcare Insurance CompanyVision1,383$149K$15K

Pharmacy benefit estimate

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

$4.9M/ year

Estimated prescription spend: 2,057 participants × $2,371 national average per member. Usually higher once dependents are counted.

$127K–$313K/ year

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

Brands with a generic available$37K–$93K
Lower-cost therapeutic alternatives$54K–$113K
Generic pricing vs. actual cost$23K–$70K
PBM contract terms$12K–$37K
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
AI Fire, LLC
Sponsor EIN
45-4188172
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 45-4188172 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
AI Fire, LLC 401(k) Plan
Type
401(k) plan
Participants
2,362

About this data

Source: AI Fire, 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 AI Fire, LLC.

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