Curtis Lumber Co., Inc.

Ballston Spa, NY Wholesale tradeNAICS 423300

Self-funded health planPlan year 2025Renews January
683Participants+3% vs. prior year
$1.6MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#18 of 24Wholesale trade in NYBy participants

Overview

Curtis Lumber Co., Inc. sponsors a self-funded health plan that covered 683 participants in plan year 2025, up 3% 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
683 · prior year 662
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Curtis Lumber Co., Inc. Employee Benefits Plan, plan 501 (683 participants)
Broker compensation
$97K 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
The Guardian Life Insurance Company of AmericaDental, Vision, Life, Short-term disability, Long-term disability688$779K$97K

Pharmacy benefit estimate

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

$1.6M/ year

Estimated prescription spend: 683 participants × $2,371 national average per member. Usually higher once dependents are counted.

$42K–$104K/ year

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

Brands with a generic available$12K–$31K
Lower-cost therapeutic alternatives$18K–$38K
Generic pricing vs. actual cost$8K–$23K
PBM contract terms$4K–$12K
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 Lumber Co., Inc.
Sponsor EIN
14-1311618
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 14-1311618 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Curtis Lumber Company, Incorporated Employee Savings & Profit Sharing Plan
Type
401(k) plan
Participants
894

About this data

Source: Curtis Lumber Co., 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 Lumber Co., Inc..

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