Cook's Pest Control, Inc.

Decatur, AL Business servicesNAICS 561710

Self-funded health planPlan year 2024Renews January
1,565ParticipantsFirst year on file
$3.7MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#2 of 2Business services in ALBy participants

Overview

Cook's Pest Control, Inc. sponsors a self-funded health plan that covered 1,565 participants in plan year 2024. 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
1,565
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Cook's Pest Control, Inc. Health and Welfare Benefit Plan, plan 501 (1,565 participants)
Stop-loss carrier
HCC Life Insurance Company; Lloyds
Broker compensation
$190K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Reliance Standard Life Insurance CompanyLife, Short-term disability, Accidental Death & Dismemberment, Long-term disability1,565$737K$102K
LloydsStop-loss1,311$356K$43K
HCC Life Insurance CompanyStop-loss1,286$219K$32K
Vision Service PlanVision1,191$132K$13K

Pharmacy benefit estimate

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

$3.7M/ year

Estimated prescription spend: 1,565 participants × $2,371 national average per member. Usually higher once dependents are counted.

$96K–$238K/ year

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

Brands with a generic available$28K–$71K
Lower-cost therapeutic alternatives$41K–$86K
Generic pricing vs. actual cost$18K–$53K
PBM contract terms$9K–$28K
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 2024
Plan sponsor
Cook's Pest Control, Inc.
Sponsor EIN
63-0476716
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 63-0476716 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Cook's Pest Control, Inc. Employee Capital Accumulation Plan
Type
401(k) plan
Participants
2,251

About this data

Source: Cook's Pest Control, Inc.'s Form 5500 filing for plan year 2024 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 Cook's Pest Control, Inc..

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