Concept Rehab, Inc.

Toledo, OH Health careNAICS 621340

Self-funded health planPlan year 2025Renews January
837Participants+2% vs. prior year
$2.0MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#64 of 89Health care in OHBy participants

Overview

Concept Rehab, Inc. sponsors a self-funded health plan that covered 837 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, short-term disability, and more.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
837 · prior year 823
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Concept Rehab, Inc. Cafeteria Plan, plan 502 (837 participants)
Stop-loss carrier
Community Insurance Company (g1728)
Broker compensation
$112K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Community Insurance Company (g1728)Stop-loss248$483K$57K
Guardian Life Insirance CompanyDental, Vision, Life, Short-term disability, Long-term disability304$248K$55K

Pharmacy benefit estimate

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

$2.0M/ year

Estimated prescription spend: 837 participants × $2,371 national average per member. Usually higher once dependents are counted.

$52K–$127K/ year

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

Brands with a generic available$15K–$38K
Lower-cost therapeutic alternatives$22K–$46K
Generic pricing vs. actual cost$10K–$29K
PBM contract terms$5K–$15K
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
Concept Rehab, Inc.
Sponsor EIN
34-1411603
Plan number
502
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 34-1411603 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Concept Rehab, Inc. 401(k) Plan
Type
401(k) plan
Participants
942

About this data

Source: Concept Rehab, Inc.'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 Concept Rehab, Inc..

Request a correction · Methodology