Citgo Petroleum Corporation

Houston, TX ManufacturingNAICS 324110

Self-funded health planPlan year 2025Renews January
4,343Participants+1% vs. prior year
$10.3MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#21 of 149Manufacturing in TXBy participants

Overview

Citgo Petroleum Corporation sponsors a self-funded health plan that covered 4,343 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, long-term disability, and more.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
4,343 · prior year 4,320
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Citgo Petroleum Corporation Retiree Reimbursement Account Plan, plan 550 (4,343 participants); Citgo Petroleum Corporation Medical, Dental, Vision and Life Insurance Program for Salaried Employees, plan 515 (2,827 participants); Citgo Petroleum Corporation Medical, Dental, Vision and Life Insurance Program for Hourly Employees, plan 518 (1,577 participants)
Broker compensation
$128K across insured contracts
MedicalLife insuranceDentalVisionLong-term disabilitySeveranceOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Securian Life Insurance CompanyLife, AD&D7,011$5.7M$128K
Metropolitan Life Insurance CompanyDental, Long-term disability2,234$2.3M—
United Healthcare Insurance CompanyVision2,250$1.1M—
Life Insurance Company of North AmericaAccidental Death and Dismemberment3,727——

Pharmacy benefit estimate

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

$10.3M/ year

Estimated prescription spend: 4,343 participants × $2,371 national average per member. Usually higher once dependents are counted.

$268K–$660K/ year

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

Brands with a generic available$78K–$196K
Lower-cost therapeutic alternatives$114K–$239K
Generic pricing vs. actual cost$49K–$148K
PBM contract terms$26K–$77K
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
Citgo Petroleum Corporation
Sponsor EIN
73-1173881
Plan numbers
550, 515, 518
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 73-1173881 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Citgo Petroleum Corporation Salaried Employees' Pension Plan
Type
Pension plan
Participants
5,935

About this data

Source: Citgo Petroleum Corporation'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 Citgo Petroleum Corporation.

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