American National Group Services, LLC

Houston, TX Finance & insuranceNAICS 525100

Self-funded health planPlan year 2025Renews January
509Participants+18% vs. prior year
$1.2MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#37 of 38Finance & insurance in TXBy participants

Overview

American National Group Services, LLC sponsors a self-funded health plan that covered 509 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
509 · prior year 433
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
American National Insurance Company Cafeteria Plan, plan 513 (509 participants)
Broker compensation
$341K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityDeath benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
UnitedHealthcare Insurance CompanyMedical, Prescription drug1,481$5.3M$124K
Ameritas Life Insurance Corp.Vision, Dental4,857$3.3M$80K
Metropolitan Life Insurance CompanyLife, Short-term disability, Long-term disability4,463$3.3M$129K
Kaiser Foundation Health Plan, Inc.Medical, Prescription drug79$1.2M$7K

Pharmacy benefit estimate

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

$1.2M/ year

Estimated prescription spend: 509 participants × $2,371 national average per member. Usually higher once dependents are counted.

$31K–$77K/ 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
American National Group Services, LLC
Sponsor EIN
93-2850635
Plan number
513
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 93-2850635 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
American National 401(k) Plan
Type
401(k) plan
Participants
5,457

About this data

Source: American National Group Services, 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 American National Group Services, LLC.

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