Curtis C. Gunn, Inc.

San Antonio, TX RetailNAICS 441110

Self-funded health planPlan year 2025Renews January
630Participants-25% vs. prior year
$1.5MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#55 of 64Retail in TXBy participants

Overview

Curtis C. Gunn, Inc. sponsors a self-funded health plan that covered 630 participants in plan year 2025, down 25% 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
630 · prior year 842
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Curtis C. Gunn, Inc. Welfare Benefit Plan, plan 501 (630 participants)
Stop-loss carrier
Berkley Life
Broker compensation
$58K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Berkley LifeStop-loss503$687K—
GuardianDental, Vision, Life, Short-term disability, Long-term disability625$587K$50K
Tokio Marine HCCTransplant406$57K$8K

Pharmacy benefit estimate

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

$1.5M/ year

Estimated prescription spend: 630 participants × $2,371 national average per member. Usually higher once dependents are counted.

$39K–$96K/ year

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

Brands with a generic available$11K–$28K
Lower-cost therapeutic alternatives$17K–$35K
Generic pricing vs. actual cost$7K–$22K
PBM contract terms$4K–$11K
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
Curtis C. Gunn, Inc.
Sponsor EIN
74-2143518
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 74-2143518 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Curtis C. Gunn, Inc. 401(k) Plan
Type
401(k) plan
Participants
959

About this data

Source: Curtis C. Gunn, 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 Curtis C. Gunn, Inc..

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