Emory University Division of Human Resources

Atlanta, GA EducationNAICS 611000

Self-funded health planPlan year 2025Renews January
15,997Participants0% vs. prior year
$37.9MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#1 of 9Education in GABy participants

Overview

Emory University Division of Human Resources sponsors a self-funded health plan that covered 15,997 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, short-term disability, long-term disability.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
15,997 · prior year 15,997
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Emory University Beneflex Plan, plan 507 (15,997 participants); Emory University Post 65 Retiree Health Reimbursement Arrangement Plan, plan 508 (2,812 participants)
Broker compensation
$197K across insured contracts
MedicalLife insuranceShort-term disabilityLong-term disabilityOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Unum Life Insurance Company of AmericaLong Term Care, Short-term disability, Long-term disability11,498$8.0M$140K
Standard Insurance CompanyLife18,918$5.0M$57K

Pharmacy benefit estimate

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

$37.9M/ year

Estimated prescription spend: 15,997 participants × $2,371 national average per member. Usually higher once dependents are counted.

$986K–$2.4M/ year

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

Brands with a generic available$288K–$721K
Lower-cost therapeutic alternatives$421K–$880K
Generic pricing vs. actual cost$182K–$546K
PBM contract terms$95K–$284K
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
Emory University Division of Human Resources
Sponsor EIN
58-0566256
Plan numbers
507, 508
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 58-0566256 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Emory University Retirement Plan
Type
Defined contribution plan
Participants
40,652

About this data

Source: Emory University Division of Human Resources'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 Emory University Division of Human Resources.

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