Dudek

Encinitas, CA Professional servicesNAICS 541990

Self-funded health planPlan year 2025Renews January
648Participants+9% vs. prior year
$1.5MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#30 of 34Professional services in CABy participants

Overview

Dudek sponsors a self-funded health plan that covered 648 participants in plan year 2025, up 9% 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
648 · prior year 593
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Dudek Employee Health and Welfare Plan, plan 501 (648 participants)
Stop-loss carrier
Sun Life Assurance Company of Canada
Broker compensation
$100K 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
Sun Life Assurance Company of CanadaStop-loss518$1.7M—
Cigna Health and Life Insurance CompanyDental459$435K$36K
Prudential Insurance CompanyLife, Short-term disability, Long-term disability787$384K$57K
Anthem Blue Cross Life and Health Insurance CompanyVision629$57K$7K

Pharmacy benefit estimate

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

$1.5M/ year

Estimated prescription spend: 648 participants × $2,371 national average per member. Usually higher once dependents are counted.

$40K–$98K/ year

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

Brands with a generic available$12K–$29K
Lower-cost therapeutic alternatives$17K–$36K
Generic pricing vs. actual cost$7K–$22K
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
Dudek
Sponsor EIN
95-3873865
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 95-3873865 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Dudek 401(k) Plan
Type
401(k) plan
Participants
1,296

About this data

Source: Dudek'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 Dudek.

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