Cold Spring Harbor Laboratory
Overview
Cold Spring Harbor Laboratory sponsors a self-funded health plan that covered 987 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, prepaid legal, and more.
- Plan type
- ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
- Participants
- 987 · prior year 971
- Plan year
- Begins January 1 · next renewal January 2027
- Health plans filed
- Cold Spring Harbor Laboratory Benefit Plan, plan 503 (987 participants)
- Broker compensation
- $62K across insured contracts
Insurance carriers
Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.
| Carrier | Coverage | Covered | Premium | Broker comp |
|---|---|---|---|---|
| Sun Life and Health Insurance Company (u.s.) | Life, Short-term disability, Long-term disability | 914 | $695K | $37K |
| Cigna Health and Life Insurance Company and Affiliates | Dental | 780 | $682K | $7K |
| Hartford Life and Accident | Accident Insurance | 228 | $58K | $18K |
| Fidelity Security Life Insurance Company of New York | Vision | 1,289 | $47K | — |
| Metropolitan Property and Casualty Insurance Co. | Legal Services | 154 | $34K | — |
| United Behavioral Health DBA Optum | Employee Assistance Program | 751 | $13K | — |
| National Union Fire Ins. Co. of Pittsburgh | Accidental Death & Dismemberment | 976 | — | — |
Pharmacy benefit estimate
StreamRX estimate for a plan this size. Not based on this plan's claims.
Estimated prescription spend: 987 participants × $2,371 national average per member. Usually higher once dependents are counted.
Typical savings opportunity found in independent reviews of plans this size.
Form 5500 filing details
- Filing
- Form 5500 with Schedule A, plan year 2025
- Plan sponsor
- Cold Spring Harbor Laboratory
- Sponsor EIN
- 11-2013303
- Plan number
- 503
- Filed with
- U.S. Department of Labor (EBSA) via EFAST2
Verify this filing: search EIN 11-2013303 in the Department of Labor's EFAST2 Form 5500 search.
Retirement plan
- Plan
- Cold Spring Harbor Laboratory Tax Deferred Annuity Plan
- Type
- Defined contribution plan
- Participants
- 1,735
About this data
Source: Cold Spring Harbor Laboratory'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 Cold Spring Harbor Laboratory.