Duke University
Overview
Duke University sponsors a self-funded health plan that covered 43,451 participants in plan year 2025, about the same as 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
- 43,451 · prior year 42,762
- Plan year
- Begins January 1 · next renewal January 2027
- Health plans filed
- Duke University Welfare and Fringe Benefits Plan, plan 524 (43,451 participants); Duke University Retiree Health Plan, plan 525 (6,599 participants)
- Stop-loss carrier
- Blue Cross and Blue Shield of North Carolina; Blue Cross and Blue Shield of North Carolina
- Broker compensation
- $2.0M across insured contracts
Insurance carriers
Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.
| Carrier | Coverage | Covered | Premium | Broker comp |
|---|---|---|---|---|
| Ameritas Life Insurance Company | Dental | 85,610 | $28.0M | $356K |
| Lincoln National Life Insurance Co. | Life | 21,900 | $11.9M | $825K |
| United Healthcare Insurance Company | Vision | 35,146 | $4.1M | $226K |
| Prudential Insurance Company of America | Long Term Care | 1,225 | $4.1M | $164K |
| Blue Cross and Blue Shield of North Carolina | Medical, HMO, PPO, Stop-loss | 14,284 | $2.0M | — |
| The Hartford Life and Accident | Short-term disability | 4,833 | $1.3M | $215K |
| Mutual of Omaha | Accidental Death Or Dismemberment | 19,747 | $1.0M | $82K |
| Lincoln National Life Insurance Company | Life | 41,994 | $542K | $34K |
| The Hartford Life and Accident Insurance | Long-term disability | 743 | $392K | $47K |
| Guardian Life Insurance Company of America | Long-term disability | 1,188 | $147K | $27K |
| Ace American Insurance Company | Short-term disability | 42,583 | $117K | $19K |
| Cigna Health and Life Ins Company | Medical | 71,367 | $89K | — |
Pharmacy benefit estimate
StreamRX estimate for a plan this size. Not based on this plan's claims.
Estimated prescription spend: 43,451 participants × $2,371 national average per member. Usually higher once dependents are counted.
Typical savings opportunity found in independent reviews of plans this size.
Form 5500 filing details
- Filing
- Form 5500 with Schedule A, plan year 2025
- Plan sponsor
- Duke University
- Sponsor EIN
- 56-0532129
- Plan numbers
- 524, 525
- Filed with
- U.S. Department of Labor (EBSA) via EFAST2
Verify this filing: search EIN 56-0532129 in the Department of Labor's EFAST2 Form 5500 search.
Retirement plan
- Plan
- The Duke University Faculty and Staff Retirement Plan
- Type
- Defined contribution plan
- Participants
- 73,001
About this data
Source: Duke University'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 Duke University.