Alticor, Inc.

ADA, MI ManufacturingNAICS 339900

Self-funded health planPlan year 2025Renews January
2,006Participants+5% vs. prior year
$4.8MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#40 of 138Manufacturing in MIBy participants

Overview

Alticor, Inc. sponsors a self-funded health plan that covered 2,006 participants in plan year 2025, up 5% from the prior year. The plan year starts in January. Alongside medical, its benefits filing reports life insurance, vision, long-term disability, severance, and more.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
2,006 · prior year 1,917
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Amway Retiree Health Access Plan, plan 521 (2,006 participants)
Broker compensation
$116K across insured contracts
MedicalLife insuranceVisionLong-term disabilitySeveranceDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Delta Dental of MichiganDental5,972$2.8M—
Unum Life Insurance Company of AmericaLong-term disability, Life2,995$2.0M$37K
Reliastar Life Insurance CompanyCritical Illness3,048$271K$49K
Provident Life and Accident Insurance CompanyLong-term disability74$89K$16K
Encompass EAP, LLCEAP3,194$77K—
Cigna Health and Life Insurance CompanyMedical2,995$76K$15K
The Hartford Fire Insurance CompanyAD&D3,194——

Pharmacy benefit estimate

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

$4.8M/ year

Estimated prescription spend: 2,006 participants × $2,371 national average per member. Usually higher once dependents are counted.

$124K–$305K/ year

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

Brands with a generic available$36K–$90K
Lower-cost therapeutic alternatives$53K–$110K
Generic pricing vs. actual cost$23K–$68K
PBM contract terms$12K–$36K
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
Alticor, Inc.
Sponsor EIN
38-1736584
Plan number
521
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 38-1736584 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Amway Retirement Savings Plan
Type
401(k) plan
Participants
4,861

About this data

Source: Alticor, 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 Alticor, Inc..

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