ATC Management Inc.

Waukesha, WI UtilitiesNAICS 221100

Self-funded health planPlan year 2025Renews January
710Participants+3% vs. prior year
$1.7MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#3 of 3Utilities in WIBy participants

Overview

ATC Management Inc. sponsors a self-funded health plan that covered 710 participants in plan year 2025, up 3% 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
710 · prior year 687
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
ATC Management Inc. Health and Welfare Plan, plan 501 (710 participants)
Stop-loss carrier
HCC Life Insurance Company
Broker compensation
$140K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityPrepaid legalLong-term disabilitySeveranceDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
HCC Life Insurance CompanyStop-loss531$1.2M$59K
Reliastar Life Insurance CompanyLife, Long-term disability859$606K$72K
UnitedHealthcare Insurance CompanyVision422$86K$9K
Metropolitan General Insurance CompanyLegal95$25K—
Empathia, Inc.Employee Assistance Program589$17K—
Hartford Fire Insurance CompanyBusiness Travel Accident710$2K$44

Pharmacy benefit estimate

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

$1.7M/ year

Estimated prescription spend: 710 participants × $2,371 national average per member. Usually higher once dependents are counted.

$44K–$108K/ year

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

Brands with a generic available$13K–$32K
Lower-cost therapeutic alternatives$19K–$39K
Generic pricing vs. actual cost$8K–$24K
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
ATC Management Inc.
Sponsor EIN
39-1999363
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 39-1999363 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
ATC Individual Account Pension Plan
Type
Defined contribution plan
Participants
817

About this data

Source: ATC Management 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 ATC Management Inc..

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