Fond Du LAC Reservation Business Committee

Cloquet, MN Arts & recreationNAICS 713200

Self-funded health planPlan year 2025Renews January
1,555Participants+1% vs. prior year
$3.7MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#3 of 7Arts & recreation in MNBy participants

Overview

Fond Du LAC Reservation Business Committee sponsors a self-funded health plan that covered 1,555 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
1,555 · prior year 1,546
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Fond Du LAC Band of Lake Superior Chippewa Employee Health & Welfare Benefit Plan, plan 501 (1,555 participants)
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Life Insurance Company of North AmericaLife, Accidental Death & Dismemberment, Long-term disability, Short-term disability1,555$702K—
HCC Life Insurance CompanyOrgan Transplant1,236$213K—
Cigna Health and Life Insurance CompanyAccidental Injury, Critical Illness374$79K—

Pharmacy benefit estimate

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

$3.7M/ year

Estimated prescription spend: 1,555 participants × $2,371 national average per member. Usually higher once dependents are counted.

$96K–$236K/ year

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

Brands with a generic available$28K–$70K
Lower-cost therapeutic alternatives$41K–$86K
Generic pricing vs. actual cost$18K–$53K
PBM contract terms$9K–$28K
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
Fond Du LAC Reservation Business Committee
Sponsor EIN
41-0965719
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 41-0965719 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Fond Du LAC Employee Retirement Plan
Type
401(k) plan
Participants
2,432

About this data

Source: Fond Du LAC Reservation Business Committee'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 Fond Du LAC Reservation Business Committee.

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