Copeland LP

St. Louis, MO ManufacturingNAICS 335900

Self-funded health planPlan year 2025Renews January
4,894Participants+6% vs. prior year
$11.6MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#5 of 46Manufacturing in MOBy participants

Overview

Copeland LP sponsors a self-funded health plan that covered 4,894 participants in plan year 2025, up 6% 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
4,894 · prior year 4,633
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Copeland LP Health and Welfare Plan, plan 501 (4,894 participants)
Broker compensation
$210K 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
Unum Life Insurance Company of AmericaLife, Short-term disability, Long-term disability4,644$3.9M$210K
Curalinc LLCEmployee Assistance Program5,533$191K—

Pharmacy benefit estimate

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

$11.6M/ year

Estimated prescription spend: 4,894 participants × $2,371 national average per member. Usually higher once dependents are counted.

$302K–$744K/ year

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

Brands with a generic available$88K–$220K
Lower-cost therapeutic alternatives$129K–$269K
Generic pricing vs. actual cost$56K–$167K
PBM contract terms$29K–$87K
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
Copeland LP
Sponsor EIN
34-4210902
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 34-4210902 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Copeland Employee Savings Investment Plan
Type
401(k) plan
Participants
5,086

About this data

Source: Copeland LP'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 Copeland LP.

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