Aspire Living & Learning Inc.

Barre, VT Health careNAICS 623000

Self-funded health planPlan year 2025Renews January
899Participants-15% vs. prior year
$2.1MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#4 of 8Health care in VTBy participants

Overview

Aspire Living & Learning Inc. sponsors a self-funded health plan that covered 899 participants in plan year 2025, down 15% from the prior year. The plan year starts in January. Alongside medical, its benefits filing reports life insurance, dental, vision, long-term disability, and more.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
899 · prior year 1,060
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Aspire Living & Learning Inc. Health and Welfare Benefit, plan 501 (899 participants)
Broker compensation
$45K across insured contracts
MedicalLife insuranceDentalVisionLong-term disabilityDeath benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Reliance Standard Life Insurance CompanyLife, Long-term disability954$445K$45K

Pharmacy benefit estimate

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

$2.1M/ year

Estimated prescription spend: 899 participants × $2,371 national average per member. Usually higher once dependents are counted.

$55K–$137K/ year

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

Brands with a generic available$16K–$40K
Lower-cost therapeutic alternatives$24K–$49K
Generic pricing vs. actual cost$10K–$31K
PBM contract terms$5K–$16K
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
Aspire Living & Learning Inc.
Sponsor EIN
03-0284103
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 03-0284103 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Aspire Living & Learning, Inc. 403(b) Plan
Type
Defined contribution plan
Participants
1,313

About this data

Source: Aspire Living & Learning 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 Aspire Living & Learning Inc..

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