Earl Enterprises (corporate), LLC

Orlando, FL HospitalityNAICS 722511

Self-funded health planPlan year 2024Renews January
961ParticipantsFirst year on file
$2.3MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#8 of 13Hospitality in FLBy participants

Overview

Earl Enterprises (corporate), LLC sponsors a self-funded health plan that covered 961 participants in plan year 2024. 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
961
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Earl Enterprises (corporate), LLC Employee Benefit Plan, plan 501 (961 participants)
Stop-loss carrier
Symetra Life Insurance Company
Broker compensation
$170K 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
Symetra Life Insurance CompanyLife, Short-term disability, Long-term disability, Stop-loss544$788K$99K
Reliastar Life Insurance CompanyAccident, Critical Illness, Hospital Ind145$166K$35K
UnitedHealthcare Insurance CompanyVision392$59K$6K
Delta Dental Insurance CompanyDental47$58K$4K
Allstate - American Heritage Life Insurance CompanyLife37$35K$18K

Pharmacy benefit estimate

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

$2.3M/ year

Estimated prescription spend: 961 participants × $2,371 national average per member. Usually higher once dependents are counted.

$59K–$146K/ year

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

Brands with a generic available$17K–$43K
Lower-cost therapeutic alternatives$25K–$53K
Generic pricing vs. actual cost$11K–$33K
PBM contract terms$6K–$17K
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 2024
Plan sponsor
Earl Enterprises (corporate), LLC
Sponsor EIN
93-3791655
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 93-3791655 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Earl Enterprises Retirement Savings Plan
Type
401(k) plan
Participants
9,051

About this data

Source: Earl Enterprises (corporate), LLC's Form 5500 filing for plan year 2024 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 Earl Enterprises (corporate), LLC.

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