Elmer's Crane and Dozer, Inc.

Traverse City, MI ConstructionNAICS 237310

Self-funded health planPlan year 2025Renews January
544Participants+1% vs. prior year
$1.3MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#9 of 10Construction in MIBy participants

Overview

Elmer's Crane and Dozer, Inc. sponsors a self-funded health plan that covered 544 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.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
544 · prior year 540
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Elmer's Crane and Dozer, Inc. Employee Benefit Plan, plan 501 (544 participants)
Broker compensation
$12K across insured contracts
MedicalLife insuranceDentalVisionOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
The Guardian Life Insurance Company of AmericaLife, Long-term disability501$94K$12K

Pharmacy benefit estimate

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

$1.3M/ year

Estimated prescription spend: 544 participants × $2,371 national average per member. Usually higher once dependents are counted.

$34K–$83K/ year

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

Brands with a generic available$10K–$25K
Lower-cost therapeutic alternatives$14K–$30K
Generic pricing vs. actual cost$6K–$19K
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
Elmer's Crane and Dozer, Inc.
Sponsor EIN
38-2184549
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 38-2184549 in the Department of Labor's EFAST2 Form 5500 search.

About this data

Source: Elmer's Crane and Dozer, 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 Elmer's Crane and Dozer, Inc..

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