Clark Construction Group, LLC

Bethesda, MD ConstructionNAICS 236220

Self-funded health planPlan year 2025Renews January
4,482Participants+6% vs. prior year
$10.6MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#1 of 10Construction in MDBy participants

Overview

Clark Construction Group, LLC sponsors a self-funded health plan that covered 4,482 participants in plan year 2025, up 6% from 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
4,482 · prior year 4,250
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Clark Construction Group, LLC & Affiliates Employee Benefit Plan, plan 501 (4,482 participants)
Stop-loss carrier
Aetna Life Insurance Company
Broker compensation
$469K across insured contracts
MedicalLife insuranceDentalVisionLong-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc.HMO1,529$10.3M$61K
Aetna Life Insurance CompanyStop-loss, Dental5,636$6.7M$408K
Life Insurance Company of North AmericaAD&D, Life, Long-term disability4,141$2.3M—
Kaiser Foundation Health Plan, Inc.HMO230$2.1M—
Spring HealthEAP10,522$536K—
Vision Service PlanVision2,305$230K—
Kaiser Foundation Health Plan of WashingtonHMO37$189K—

Pharmacy benefit estimate

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

$10.6M/ year

Estimated prescription spend: 4,482 participants × $2,371 national average per member. Usually higher once dependents are counted.

$276K–$681K/ year

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

Brands with a generic available$81K–$202K
Lower-cost therapeutic alternatives$118K–$247K
Generic pricing vs. actual cost$51K–$153K
PBM contract terms$27K–$80K
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
Clark Construction Group, LLC
Sponsor EIN
56-2447399
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 56-2447399 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Clark Group Field Retirement Plan
Type
401(k) plan
Participants
1,509

About this data

Source: Clark Construction Group, 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 Clark Construction Group, LLC.

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