Embark Consulting, LLC

Dallas, TX Professional servicesNAICS 541600

Self-funded health planPlan year 2025Renews January
575Participants-1% vs. prior year
$1.4MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#68 of 81Professional services in TXBy participants

Overview

Embark Consulting, LLC sponsors a self-funded health plan that covered 575 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
575 · prior year 583
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Embark People LLC Health and Welfare Plan, plan 501 (575 participants)
Broker compensation
$64K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityPrepaid legalLong-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Sun Life Assurance Company of CanadaDental, Vision, Life, Short-term disability, Long-term disability488$1.2M$59K
Pre-Paid Legal Services Inc. DBA LegalshieldLegal75$29K$5K
Curalinc LLCEmployee Assistance Program610$14K—

Pharmacy benefit estimate

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

$1.4M/ year

Estimated prescription spend: 575 participants × $2,371 national average per member. Usually higher once dependents are counted.

$35K–$87K/ 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
Embark Consulting, LLC
Sponsor EIN
46-3299551
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 46-3299551 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Embark People, LLC 401(k) Plan
Type
401(k) plan
Participants
734

About this data

Source: Embark Consulting, LLC'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 Embark Consulting, LLC.

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