Eagle Fire Inc.

Richmond, VA ConstructionNAICS 238220

Self-funded health planPlan year 2025Renews January
576Participants+27% vs. prior year
$1.4MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#14 of 17Construction in VABy participants

Overview

Eagle Fire Inc. sponsors a self-funded health plan that covered 576 participants in plan year 2025, up 27% 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
576 · prior year 453
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Eagle Fire Inc. Employee Benefits Plan, plan 505 (576 participants)
Broker compensation
$47K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Standard Insurance CompanyLife, Long-term disability, Short-term disability599$477K$45K
Vision Service PlanVision425$58K$2K

Pharmacy benefit estimate

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

$1.4M/ year

Estimated prescription spend: 576 participants × $2,371 national average per member. Usually higher once dependents are counted.

$36K–$88K/ year

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

Brands with a generic available$10K–$26K
Lower-cost therapeutic alternatives$15K–$32K
Generic pricing vs. actual cost$7K–$20K
PBM contract terms$3K–$10K
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
Eagle Fire Inc.
Sponsor EIN
54-1436156
Plan number
505
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 54-1436156 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Eagle Fire Inc. 401(k) Profit Sharing Plan and Trust
Type
401(k) plan
Participants
752

About this data

Source: Eagle Fire 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 Eagle Fire Inc..

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