Ecmd, Inc.

North Wilkesboro, NC Wholesale tradeNAICS 423300

Self-funded health planPlan year 2025Renews January
1,008Participants0% vs. prior year
$2.4MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#11 of 22Wholesale trade in NCBy participants

Overview

Ecmd, Inc. sponsors a self-funded health plan that covered 1,008 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, long-term disability.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
1,008 · prior year 1,013
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Ecmd, Inc. Section 125 Plan, plan 502 (1,008 participants)
Stop-loss carrier
Blue Cross Blue Shield of North Carolina
Broker compensation
$230K across insured contracts
MedicalLife insuranceDentalLong-term disability

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Hartford Life and AccidentLife, Short-term disability, Long-term disability912$840K$229K
The Guardian Life Insurance Company of AmericaDental920$34K$511
Blue Cross Blue Shield of North CarolinaMedical, Prescription drug, PPO, Stop-loss1,303——

Pharmacy benefit estimate

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

$2.4M/ year

Estimated prescription spend: 1,008 participants × $2,371 national average per member. Usually higher once dependents are counted.

$62K–$153K/ year

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

Brands with a generic available$18K–$45K
Lower-cost therapeutic alternatives$27K–$55K
Generic pricing vs. actual cost$11K–$34K
PBM contract terms$6K–$18K
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
Ecmd, Inc.
Sponsor EIN
56-1318735
Plan number
502
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 56-1318735 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Ecmd, Inc. Profit Sharing 401(k) Plan
Type
401(k) plan
Participants
1,199

About this data

Source: Ecmd, 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 Ecmd, Inc..

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