Cortland Holdings, LLC

Atlanta, GA Real estateNAICS 531110

Self-funded health planPlan year 2025Renews January
2,255Participants-4% vs. prior year
$5.3MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#2 of 12Real estate in GABy participants

Overview

Cortland Holdings, LLC sponsors a self-funded health plan that covered 2,255 participants in plan year 2025, down 4% 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
2,255 · prior year 2,359
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Cortland Holdings, LLC Welfare Plan, plan 501 (2,255 participants)
Broker compensation
$411K 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
Cigna Health and Life Insurance Company and AffiliatesDental3,080$3.2M$160K
Life Insurance Company of North AmericaLife, Short-term disability, Long-term disability1,908$1.3M$167K
Cigna Health and Life Insurance CompanyAccident, Hospital, Critical Illness1,908$302K$69K
Eyemed Vision Care on Behalf of the Combined Insurance Co. of AmericaVision2,902$141K$15K

Pharmacy benefit estimate

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

$5.3M/ year

Estimated prescription spend: 2,255 participants × $2,371 national average per member. Usually higher once dependents are counted.

$139K–$343K/ year

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

Brands with a generic available$41K–$102K
Lower-cost therapeutic alternatives$59K–$124K
Generic pricing vs. actual cost$26K–$77K
PBM contract terms$13K–$40K
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
Cortland Holdings, LLC
Sponsor EIN
46-5619534
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 46-5619534 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Cortland Holdings, LLC 401(k) Plan
Type
401(k) plan
Participants
3,860

About this data

Source: Cortland Holdings, LLC'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 Cortland Holdings, LLC.

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