American Senior Communities, L.l.c.

Indianapolis, IN Health careNAICS 623000

Self-funded health planPlan year 2025Renews January
7,137Participants+1% vs. prior year
$16.9MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#3 of 36Health care in INBy participants

Overview

American Senior Communities, L.l.c. sponsors a self-funded health plan that covered 7,137 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
7,137 · prior year 7,045
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
American Senior Communities, L.l.c. Master Welfare Plan, plan 501 (7,137 participants)
Stop-loss carrier
Sun Life Assurance Company of Canada
Broker compensation
$680K 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
Sun Life Assurance Company of CanadaStop-loss3,528$2.3M$164K
The Lincoln National Life Insurance CompanyLife, Long-term disability, Short-term disability7,035$2.0M$308K
Delta Dental of IndianaVision, Dental5,632$1.3M$21K

Pharmacy benefit estimate

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

$16.9M/ year

Estimated prescription spend: 7,137 participants × $2,371 national average per member. Usually higher once dependents are counted.

$440K–$1.1M/ year

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

Brands with a generic available$129K–$322K
Lower-cost therapeutic alternatives$188K–$393K
Generic pricing vs. actual cost$81K–$244K
PBM contract terms$42K–$127K
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 Senior Communities, L.l.c.
Sponsor EIN
35-2077389
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 35-2077389 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
American Senior Communities, L.l.c. Retirement Savings Plan
Type
401(k) plan
Participants
10,534

About this data

Source: American Senior Communities, L.l.c.'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 Senior Communities, L.l.c..

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