Crown Castle Inc.

Houston, TX Real estateNAICS 531190

Self-funded health planPlan year 2025Renews January
4,252Participants-19% vs. prior year
$10.1MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#4 of 28Real estate in TXBy participants

Overview

Crown Castle Inc. sponsors a self-funded health plan that covered 4,252 participants in plan year 2025, down 19% 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
4,252 · prior year 5,234
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Crown Castle Inc. Health & Welfare Plan, plan 501 (4,252 participants)
Broker compensation
$89K 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
Prudential Insurance Company of AmericaLong-term disability, Life, Voluntary Life, Voluntary AD&D, Voluntary DEP. Life Spouse/family, Voluntary DEP. Life Child4,023$3.2M$53K
Aetna Life Insurance Company—4,971$1.0M$36K
Vision Service PlanVision3,495$548K—

Pharmacy benefit estimate

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

$10.1M/ year

Estimated prescription spend: 4,252 participants × $2,371 national average per member. Usually higher once dependents are counted.

$262K–$646K/ year

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

Brands with a generic available$77K–$192K
Lower-cost therapeutic alternatives$112K–$234K
Generic pricing vs. actual cost$48K–$145K
PBM contract terms$25K–$76K
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
Crown Castle Inc.
Sponsor EIN
76-0470458
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 76-0470458 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Crown Castle Inc. 401(k) Plan
Type
401(k) plan
Participants
6,142

About this data

Source: Crown Castle 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 Crown Castle Inc..

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