Firstfleet, Inc.

Murfreesboro, TN Transportation & logisticsNAICS 484120

Self-funded health planPlan year 2025Renews January
2,440Participants-11% vs. prior year
$5.8MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#8 of 15Transportation & logistics in TNBy participants

Overview

Firstfleet, Inc. sponsors a self-funded health plan that covered 2,440 participants in plan year 2025, down 11% 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
2,440 · prior year 2,731
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Firstfleet, Inc. Welfare Benefit Plan, plan 507 (2,440 participants)
Broker compensation
$509K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityPrepaid legalLong-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
American United Life Insurance CompanyLife, Short-term disability, Long-term disability2,348$3.9M$309K
Reliastar Life Insurance CompanyAccident, Critical Illness, Hospital1,476$543K$146K
Vision Service PlanVision2,150$422K$6K
U.S. Legal Services, Inc.Legal265$114K$21K
Colonial Life and Accident Insurance CompanyLife98$59K$3K
Delta Dental of TennesseeDental4,284$-1$25K

Pharmacy benefit estimate

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

$5.8M/ year

Estimated prescription spend: 2,440 participants × $2,371 national average per member. Usually higher once dependents are counted.

$150K–$371K/ year

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

Brands with a generic available$44K–$110K
Lower-cost therapeutic alternatives$64K–$134K
Generic pricing vs. actual cost$28K–$83K
PBM contract terms$14K–$43K
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
Firstfleet, Inc.
Sponsor EIN
62-1283959
Plan number
507
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 62-1283959 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Firstfleet, Inc. 401(k) Plan
Type
401(k) plan
Participants
3,548

About this data

Source: Firstfleet, 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 Firstfleet, Inc..

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