Empowerme Holdings, LLC

St. Louis, MO Health careNAICS 621340

Self-funded health planPlan year 2025Renews January
1,263Participants+7% vs. prior year
$3.0MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#19 of 35Health care in MOBy participants

Overview

Empowerme Holdings, LLC sponsors a self-funded health plan that covered 1,263 participants in plan year 2025, up 7% from 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
1,263 · prior year 1,177
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Empowerme Holdings, LLC Health Care Plan, plan 501 (1,263 participants)
Broker compensation
$223K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Standard Insurance CompanyLong-term disability, Short-term disability861$964K$80K
Sun Life Assurance Company of CanadaDental, Vision1,223$808K$77K
Aetna Life Insurance CompanyCritical Illness, Accident, Hospital Ind1,372$320K$65K
Hartford Life and AccidentLife2,699$268K$2K

Pharmacy benefit estimate

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

$3.0M/ year

Estimated prescription spend: 1,263 participants × $2,371 national average per member. Usually higher once dependents are counted.

$78K–$192K/ year

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

Brands with a generic available$23K–$57K
Lower-cost therapeutic alternatives$33K–$69K
Generic pricing vs. actual cost$14K–$43K
PBM contract terms$7K–$22K
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
Empowerme Holdings, LLC
Sponsor EIN
85-3862973
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 85-3862973 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Empowerme Wellness Retirement Savings Plan
Type
401(k) plan
Participants
3,131

About this data

Source: Empowerme Holdings, 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 Empowerme Holdings, LLC.

Request a correction · Methodology