Endeavor Health

Evanston, IL Health careNAICS 622000

Self-funded health planPlan year 2025Renews January
28,328Participants+1% vs. prior year
$67.2MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#3 of 65Health care in ILBy participants

Overview

Endeavor Health sponsors a self-funded health plan that covered 28,328 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
28,328 · prior year 28,167
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Endeavor Health Welfare Plan, plan 510 (28,328 participants)
Broker compensation
$1.4M across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityPrepaid legalLong-term disabilityOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Metropolitan Life Insurance CompanyLife, Dental, Vision33,665$16.8M$447K
Reliance Standard Life Insurance CompanyAccidental Death and Dismemberment, Short-term disability, Life, Long-term disability22,524$9.7M$122K
Cigna Health and Life Insurance CompanyHospital Care, Accident, Critical Illness5,901$3.5M$675K
Combined Insurance CompanyLong Term Care660$735K$66K
Metropolitan General Insurance CompanyLegal2,438$406K$77K
Curalinc, LLC, DBA Curalinc HealthcareEmployee Assistance Program27,589$364K—
Combined Insurance Company of AmericaLong Term Care120$170K$21K

Pharmacy benefit estimate

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

$67.2M/ year

Estimated prescription spend: 28,328 participants × $2,371 national average per member. Usually higher once dependents are counted.

$1.7M–$4.3M/ year

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

Brands with a generic available$510K–$1.3M
Lower-cost therapeutic alternatives$746K–$1.6M
Generic pricing vs. actual cost$322K–$967K
PBM contract terms$168K–$504K
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
Endeavor Health
Sponsor EIN
87-4520691
Plan number
510
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 87-4520691 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Endeavor Health 401(k) Plan
Type
401(k) plan
Participants
34,679

About this data

Source: Endeavor Health'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 Endeavor Health.

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