Bell & Mccoy Companies, Inc.

Houston, TX Professional servicesNAICS 541110

Self-funded health planPlan year 2025Renews January
695Participants+16% vs. prior year
$1.6MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#57 of 81Professional services in TXBy participants

Overview

Bell & Mccoy Companies, Inc. sponsors a self-funded health plan that covered 695 participants in plan year 2025, up 16% 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
695 · prior year 600
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Bell & Mccoy Companies Welfare Benefit Plan, plan 501 (695 participants)
Broker compensation
$144K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-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, Short-term disability, Long-term disability695$308K$69K
Unum Insurance CompanyHospital, Critical Illness, Accident111$77K$18K
Cigna Health and Life Insurance CompanyDental, Vision641$5K$57K

Pharmacy benefit estimate

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

$1.6M/ year

Estimated prescription spend: 695 participants × $2,371 national average per member. Usually higher once dependents are counted.

$43K–$106K/ year

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

Brands with a generic available$13K–$31K
Lower-cost therapeutic alternatives$18K–$38K
Generic pricing vs. actual cost$8K–$24K
PBM contract terms$4K–$12K
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
Bell & Mccoy Companies, Inc.
Sponsor EIN
74-1718203
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 74-1718203 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Bell & Mccoy 401(k) Plan
Type
401(k) plan
Participants
503

About this data

Source: Bell & Mccoy Companies, 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 Bell & Mccoy Companies, Inc..

Request a correction · Methodology