Connecticut Orthopaedic Specialists, P.C.

Hamden, CT Health careNAICS 621111

Self-funded health planPlan year 2025Renews January
514Participants+1% vs. prior year
$1.2MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#21 of 21Health care in CTBy participants

Overview

Connecticut Orthopaedic Specialists, P.C. sponsors a self-funded health plan that covered 514 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
514 · prior year 507
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Connecticut Orthopaedic Specialists, P.C. Wrap Plan, plan 505 (514 participants)
Broker compensation
$101K 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
Sun Life Assurance Company of CanadaLife, Short-term disability, Long-term disability533$871K$80K
Anthem Health Plans, Inc.Dental675$315K$5K
The Guardian Life Insurance Company of AmericaAccident, Critical Illness, Hospital221$92K$15K
Vision Service PlanVision346$51K$2K

Pharmacy benefit estimate

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

$1.2M/ year

Estimated prescription spend: 514 participants × $2,371 national average per member. Usually higher once dependents are counted.

$32K–$78K/ year

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

Brands with a generic available$9K–$23K
Lower-cost therapeutic alternatives$14K–$28K
Generic pricing vs. actual cost$6K–$18K
PBM contract terms$3K–$9K
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
Connecticut Orthopaedic Specialists, P.C.
Sponsor EIN
06-0855842
Plan number
505
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 06-0855842 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Connecticut Orthopaedic Specialists, PC 401(k) Plan
Type
401(k) plan
Participants
826

About this data

Source: Connecticut Orthopaedic Specialists, P.C.'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 Connecticut Orthopaedic Specialists, P.C..

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