Firewood Marketing, Inc.

San Francisco, CA Professional servicesNAICS 541800

Self-funded health planPlan year 2025Renews January
1,616Participants-18% vs. prior year
$3.8MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#9 of 34Professional services in CABy participants

Overview

Firewood Marketing, Inc. sponsors a self-funded health plan that covered 1,616 participants in plan year 2025, down 18% 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
1,616 · prior year 1,972
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Firewood Marketing, Inc. Health and Welfare Plan, plan 501 (1,616 participants)
Stop-loss carrier
Granular Insurance Company
Broker compensation
$155K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityDeath benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Cigna Health and Life Insurance CompanyDental, Vision2,766$1.9M—
Granular Insurance CompanyStop-loss1,391$1.5M$102K
Kaiser Foundation Health Plan Inc.Medical, Prescription drug, HMO68$758K—
Unum Life Insurance Company of AmericaLife, Short-term disability, Long-term disability, Lifestyle AD&D and Lifestyle Life1,381$756K$36K
First Unum Life Insurance CompanyDBL290$128K$17K
Curalinc, LLC, DBA Curalinc HealthcareEAP1,534$25K—

Pharmacy benefit estimate

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

$3.8M/ year

Estimated prescription spend: 1,616 participants × $2,371 national average per member. Usually higher once dependents are counted.

$100K–$246K/ year

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

Brands with a generic available$29K–$73K
Lower-cost therapeutic alternatives$43K–$89K
Generic pricing vs. actual cost$18K–$55K
PBM contract terms$10K–$29K
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
Firewood Marketing, Inc.
Sponsor EIN
84-3259956
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 84-3259956 in the Department of Labor's EFAST2 Form 5500 search.

About this data

Source: Firewood Marketing, 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 Firewood Marketing, Inc..

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