Estes Express Lines
Overview
Estes Express Lines sponsors a self-funded health plan that covered 22,231 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
- 22,231 · prior year 21,833
- Plan year
- Begins January 1 · next renewal January 2027
- Health plans filed
- Estes Express Lines Flexible Benefits Plan, plan 505 (22,231 participants)
- Stop-loss carrier
- Cigna Health and Life Insurance Company and Affiliates (cigna)
Insurance carriers
Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.
| Carrier | Coverage | Covered | Premium | Broker comp |
|---|---|---|---|---|
| Life Insurance Company of North America | Long-term disability, Short-term disability | 22,177 | $13.9M | — |
| New York Life Group Benefit Solutions | Life | 22,061 | $11.4M | — |
| California Physicians' Service DBA Blue Shield of California | Medical, Prescription drug, Vision | 979 | $9.8M | — |
| Delta Dental of Virginia | Dental | 36,549 | $8.1M | — |
| Cigna Health and Life Insurance Company and Affiliates (cigna) | Stop-loss | 35,744 | $5.3M | — |
| Fidelity Security Life Insurance Company | Vision | 33,467 | $1.7M | — |
| New York Life Group Insurance Company of NY | Short-term disability | 362 | $162K | — |
Pharmacy benefit estimate
StreamRX estimate for a plan this size. Not based on this plan's claims.
Estimated prescription spend: 22,231 participants × $2,371 national average per member. Usually higher once dependents are counted.
Typical savings opportunity found in independent reviews of plans this size.
Form 5500 filing details
- Filing
- Form 5500 with Schedule A, plan year 2025
- Plan sponsor
- Estes Express Lines
- Sponsor EIN
- 54-0492941
- Plan number
- 505
- Filed with
- U.S. Department of Labor (EBSA) via EFAST2
Verify this filing: search EIN 54-0492941 in the Department of Labor's EFAST2 Form 5500 search.
Retirement plan
- Plan
- Estes Express Lines 401(k) Retirement Plan
- Type
- 401(k) plan
- Participants
- 21,498
About this data
Source: Estes Express Lines'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 Estes Express Lines.