Ella EM Brown Charitable Circle

Marshall, MI Health careNAICS 622000

Self-funded health planPlan year 2025Renews January
867Participants0% vs. prior year
$2.1MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#17 of 27Health care in MIBy participants

Overview

Ella EM Brown Charitable Circle sponsors a self-funded health plan that covered 867 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
867 · prior year 871
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Oaklawn Hospital Employee Medical and Welfare Benefit Plan, plan 501 (867 participants)
Broker compensation
$44K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityDeath benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
United of Omaha Life Insurance CompanyLife, Short-term disability, Long-term disability815$809K$23K
Delta Dental of MichiganDental1,492$544K$11K
Vision Service PlanVision581$103K$5K
Mutual of Omaha Insurance CompanyAccidental Death and Dismemberment1,032$31K$5K

Pharmacy benefit estimate

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

$2.1M/ year

Estimated prescription spend: 867 participants × $2,371 national average per member. Usually higher once dependents are counted.

$53K–$132K/ year

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

Brands with a generic available$16K–$39K
Lower-cost therapeutic alternatives$23K–$48K
Generic pricing vs. actual cost$10K–$30K
PBM contract terms$5K–$15K
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
Ella EM Brown Charitable Circle
Sponsor EIN
38-1368347
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 38-1368347 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Oaklawn Tax Sheltered Annuity Plan
Type
Defined contribution plan
Participants
1,354

About this data

Source: Ella EM Brown Charitable Circle'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 Ella EM Brown Charitable Circle.

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