Cullen/frost Bankers, Inc.
Overview
Cullen/frost Bankers, Inc. sponsors a self-funded health plan that covered 6,081 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, prepaid legal, and more.
- Plan type
- ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
- Participants
- 6,081 · prior year 6,007
- Plan year
- Begins January 1 · next renewal January 2027
- Health plans filed
- Cullen/frost Bankers, Inc. Group Welfare Plan, plan 506 (6,081 participants)
- Stop-loss carrier
- Wellpoint Life and Health Insurance Company
- Broker compensation
- $414K across insured contracts
Insurance carriers
Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.
| Carrier | Coverage | Covered | Premium | Broker comp |
|---|---|---|---|---|
| Standard Insurance Company | Life, Long-term disability | 6,049 | $3.4M | $165K |
| Wellpoint Life and Health Insurance Company | Stop-loss | 4,970 | $3.3M | $231K |
| UnitedHealthcare Insurance Company | Vision | 9,393 | $566K | $18K |
| Safeguard Health Plans, Inc., a Texas Corporation | Dental, HMO | 1,175 | $138K | — |
Pharmacy benefit estimate
StreamRX estimate for a plan this size. Not based on this plan's claims.
Estimated prescription spend: 6,081 participants × $2,371 national average per member. Usually higher once dependents are counted.
Typical savings opportunity found in independent reviews of plans this size.
Form 5500 filing details
- Filing
- Form 5500 with Schedule A, plan year 2025
- Plan sponsor
- Cullen/frost Bankers, Inc.
- Sponsor EIN
- 74-1751768
- Plan number
- 506
- Filed with
- U.S. Department of Labor (EBSA) via EFAST2
Verify this filing: search EIN 74-1751768 in the Department of Labor's EFAST2 Form 5500 search.
Retirement plan
- Plan
- The 401(k) Stock Purchase Plan for Employees of Cullen/frost Bankers, Inc. and ITS Affiliates
- Type
- 401(k) plan
- Participants
- 7,451
About this data
Source: Cullen/frost Bankers, 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 Cullen/frost Bankers, Inc..