Ducks Unlimited, Inc.

Memphis, TN Other servicesNAICS 813000

Self-funded health planPlan year 2025Renews January
704Participants+6% vs. prior year
$1.7MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#4 of 4Other services in TNBy participants

Overview

Ducks Unlimited, Inc. sponsors a self-funded health plan that covered 704 participants in plan year 2025, up 6% from the prior year. The plan year starts in January. Alongside medical, its benefits filing reports life insurance, dental, vision, long-term disability, and more.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
704 · prior year 665
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Ducks Unlimited, Inc. Health and Welfare Plan, plan 501 (704 participants)
Stop-loss carrier
Blue Cross Blue Shield of TN
MedicalLife insuranceDentalVisionLong-term disabilityDeath benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
GuardianLife, Long-term disability838$895K—
Blue Cross Blue Shield of TNMedical, Stop-loss1,597$469K—
Delta Dental of TNVision1,598$72K—
Hartford Life and AccidentBusiness Travel Insurance838$8K—

Pharmacy benefit estimate

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

$1.7M/ year

Estimated prescription spend: 704 participants × $2,371 national average per member. Usually higher once dependents are counted.

$43K–$107K/ year

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

Brands with a generic available$13K–$32K
Lower-cost therapeutic alternatives$19K–$39K
Generic pricing vs. actual cost$8K–$24K
PBM contract terms$4K–$13K
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
Ducks Unlimited, Inc.
Sponsor EIN
13-5643799
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 13-5643799 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Ducks Unlimited, Inc. 401(k) Plan
Type
401(k) plan
Participants
1,072

About this data

Source: Ducks Unlimited, 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 Ducks Unlimited, Inc..

Request a correction · Methodology