Coal-Mac LLC

Lexington, KY UtilitiesNAICS 221210

Self-funded health planPlan year 2025Renews January
718Participants+11% vs. prior year
$1.7MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#3 of 3Utilities in KYBy participants

Overview

Coal-Mac LLC sponsors a self-funded health plan that covered 718 participants in plan year 2025, up 11% 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
718 · prior year 646
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Coal-Mac LLC Wellfare Benefits Plan, plan 501 (718 participants)
Broker compensation
$127K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityDeath benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Anthem Health Plans of Kentucky, Inc.Dental, Vision1,829$611K$71K
Prudential Insurance Company of AmericaLife, Long-term disability753$511K$27K
Colonial Life and Accident Insurance CompanyAccident, Critical Illness, Hospital287$139K$28K

Pharmacy benefit estimate

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

$1.7M/ year

Estimated prescription spend: 718 participants × $2,371 national average per member. Usually higher once dependents are counted.

$44K–$109K/ year

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

Brands with a generic available$13K–$32K
Lower-cost therapeutic alternatives$19K–$39K
Generic pricing vs. actual cost$8K–$25K
PBM contract terms$4K–$13K
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
Coal-Mac LLC
Sponsor EIN
61-0940563
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 61-0940563 in the Department of Labor's EFAST2 Form 5500 search.

About this data

Source: Coal-Mac 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 Coal-Mac LLC.

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