Baylor College of Medicine

Houston, TX EducationNAICS 611000

Self-funded health planPlan year 2025Renews January
12,077Participants0% vs. prior year
$28.6MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#1 of 11Education in TXBy participants

Overview

Baylor College of Medicine sponsors a self-funded health plan that covered 12,077 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
12,077 · prior year 12,077
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Baylor College of Medicine Health & Welfare Benefits Plan, plan 502 (12,077 participants); Baylor College of Medicine's Retirement Healthcare Savings Plan, plan 504 (8,560 participants)
Stop-loss carrier
Sun Life Assurance Company of Canada
Broker compensation
$1.5M 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
Unum Life Insurance Company of AmericaLife, Long-term disability, Short-term disability11,998$9.6M$372K
Sun Life Assurance Company of CanadaStop-loss10,796$6.6M$413K
Eyemed Vision Care for Fidelity Security Life Insurance CompanyVision16,670$1.8M$84K
UnitedHealthcare Insurance CompanyMedical152$572K$57K
Provident Life and Accident Insurance CompanyDisability257$457K$130K
Aetna Life Insurance CompanyPrescription drug, PPO, Dental185$399K—
Legalplans, USAGroup Legal Services1,905$254K$25K

Pharmacy benefit estimate

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

$28.6M/ year

Estimated prescription spend: 12,077 participants × $2,371 national average per member. Usually higher once dependents are counted.

$744K–$1.8M/ year

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

Brands with a generic available$218K–$544K
Lower-cost therapeutic alternatives$318K–$664K
Generic pricing vs. actual cost$137K–$412K
PBM contract terms$72K–$215K
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
Baylor College of Medicine
Sponsor EIN
74-1613878
Plan numbers
502, 504
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 74-1613878 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Baylor College of Medicine 403(b) Tax Deferred Investment Plan
Type
Defined contribution plan
Participants
21,944

About this data

Source: Baylor College of Medicine'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 Baylor College of Medicine.

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