Curo Management, LLC

Greenville, SC Finance & insuranceNAICS 522291

Self-funded health planPlan year 2025Renews January
1,457Participants-42% vs. prior year
$3.5MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#5 of 8Finance & insurance in SCBy participants

Overview

Curo Management, LLC sponsors a self-funded health plan that covered 1,457 participants in plan year 2025, down 42% 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
1,457 · prior year 2,517
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Curo Management Employee Benefit Plan, plan 501 (1,457 participants)
Broker compensation
$229K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityPrepaid legalLong-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Sun Life Assurance Company of CanadaLife, Short-term disability, Long-term disability1,414$1.5M$162K
Delta Dental of Kansas, Inc.Dental, PPO1,184$702K$50K
Surency Life and HealthVision1,038$150K$15K
Pre-Paid Legal Services Inc. DBA LegalshieldLegal Services Plan Memberships77$11K$2K

Pharmacy benefit estimate

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

$3.5M/ year

Estimated prescription spend: 1,457 participants × $2,371 national average per member. Usually higher once dependents are counted.

$90K–$221K/ year

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

Brands with a generic available$26K–$66K
Lower-cost therapeutic alternatives$38K–$80K
Generic pricing vs. actual cost$17K–$50K
PBM contract terms$9K–$26K
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
Curo Management, LLC
Sponsor EIN
81-0586671
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 81-0586671 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Curo Management 401(k) Retirement Plan
Type
401(k) plan
Participants
2,707

About this data

Source: Curo Management, 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 Curo Management, LLC.

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