American Multispecialty Group, Inc. DBA Esse Health

St. Louis, MO Health careNAICS 621111

Self-funded health planPlan year 2025Renews January
745Participants+1% vs. prior year
$1.8MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#26 of 35Health care in MOBy participants

Overview

American Multispecialty Group, Inc. DBA Esse Health sponsors a self-funded health plan that covered 745 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
745 · prior year 741
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Esse Health Employee Benefit Plan, plan 507 (745 participants)
Broker compensation
$193K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityPrepaid legalLong-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Sun Life Assurance Company of CanadaLife, Short-term disability, Long-term disability609$744K$189K
Delta Dental of MissouriDental852$335K—
Advantica Insurance CompanyVision719$65K—
MetLife Legal PlansLegal Services Plan Memberships56$14K$2K

Pharmacy benefit estimate

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

$1.8M/ year

Estimated prescription spend: 745 participants × $2,371 national average per member. Usually higher once dependents are counted.

$46K–$113K/ year

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

Brands with a generic available$13K–$34K
Lower-cost therapeutic alternatives$20K–$41K
Generic pricing vs. actual cost$8K–$25K
PBM contract terms$4K–$13K
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
American Multispecialty Group, Inc. DBA Esse Health
Sponsor EIN
43-1383893
Plan number
507
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 43-1383893 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Esse Health Profit Sharing Plan
Type
401(k) plan
Participants
1,050

About this data

Source: American Multispecialty Group, Inc. DBA Esse Health'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 American Multispecialty Group, Inc. DBA Esse Health.

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