Family Health Centers of Southwest Florida, Inc.

Fort Myers, FL Health careNAICS 621498

Self-funded health planPlan year 2025Renews January
653Participants0% vs. prior year
$1.5MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#75 of 89Health care in FLBy participants

Overview

Family Health Centers of Southwest Florida, Inc. sponsors a self-funded health plan that covered 653 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, long-term disability, and more.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
653 · prior year 653
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Family Health Centers of SW Florida, Inc. Employee Welfare Benefit Plan, plan 507 (653 participants)
Stop-loss carrier
Sun Life Assurance Company of Canada
Broker compensation
$255K across insured contracts
MedicalLife insuranceDentalVisionLong-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 CanadaLife, Stop-loss649$1.0M$147K
The Guardian Life Insurance Company of AmericaDental, Vision509$333K$45K
AflacVoluntary Work-Site Plans234$244K$37K
The Prudential Insurance Company of AmericaLong-term disability653$161K$26K
Employee Services Inc.Employee Assistance Program677$13K—

Pharmacy benefit estimate

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

$1.5M/ year

Estimated prescription spend: 653 participants × $2,371 national average per member. Usually higher once dependents are counted.

$40K–$99K/ year

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

Brands with a generic available$12K–$29K
Lower-cost therapeutic alternatives$17K–$36K
Generic pricing vs. actual cost$7K–$22K
PBM contract terms$4K–$12K
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
Family Health Centers of Southwest Florida, Inc.
Sponsor EIN
59-1741273
Plan number
507
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 59-1741273 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
401(a) Profit-Sharing Plan for Employees of Family Health Centers of Southwest Florida, Inc.
Type
401(k) plan
Participants
890

About this data

Source: Family Health Centers of Southwest Florida, Inc.'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 Family Health Centers of Southwest Florida, Inc..

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