Carr, Riggs, & Ingram Capital, LLC

Enterprise, AL Professional servicesNAICS 541211

Self-funded health planPlan year 2025Renews January
3,121ParticipantsFirst year on file
$7.4MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#1 of 17Professional services in ALBy participants

Overview

Carr, Riggs, & Ingram Capital, LLC sponsors a self-funded health plan that covered 3,121 participants in plan year 2025. 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
3,121
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Carr Riggs & Ingram Capital, LLC Flexible Benefit Plan, plan 501 (3,121 participants)
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disability

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
The Lincoln National Life Insurance CompanyLong-term disability, Life, Weekly Income2,330$1.6M—
Vision Service PlanVision1,423$181K—

Pharmacy benefit estimate

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

$7.4M/ year

Estimated prescription spend: 3,121 participants × $2,371 national average per member. Usually higher once dependents are counted.

$192K–$474K/ year

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

Brands with a generic available$56K–$141K
Lower-cost therapeutic alternatives$82K–$172K
Generic pricing vs. actual cost$36K–$107K
PBM contract terms$18K–$55K
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
Carr, Riggs, & Ingram Capital, LLC
Sponsor EIN
46-1688198
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 46-1688198 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Carr, Riggs & Ingram Capital, LLC 401(k) Plan & Trust
Type
401(k) plan
Participants
3,102

About this data

Source: Carr, Riggs, & Ingram Capital, LLC'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 Carr, Riggs, & Ingram Capital, LLC.

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