Frontier Behavioral Health

Spokane, WA Health careNAICS 621420

Self-funded health planPlan year 2025Renews January
697Participants+7% vs. prior year
$1.7MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#31 of 47Health care in WABy participants

Overview

Frontier Behavioral Health sponsors a self-funded health plan that covered 697 participants in plan year 2025, up 7% from 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
697 · prior year 651
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Frontier Behavioral Health Healthcare Benefit Plan, plan 501 (697 participants)
Broker compensation
$44K across insured contracts
MedicalLife insuranceDentalVisionLong-term disabilityDeath benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Delta Dental of WashingtonDental921$489K$5K
Life Insurance Company of North AmericaLife, Long-term disability697$232K$39K

Pharmacy benefit estimate

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

$1.7M/ year

Estimated prescription spend: 697 participants × $2,371 national average per member. Usually higher once dependents are counted.

$43K–$106K/ year

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

Brands with a generic available$13K–$31K
Lower-cost therapeutic alternatives$18K–$38K
Generic pricing vs. actual cost$8K–$24K
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
Frontier Behavioral Health
Sponsor EIN
91-0853801
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 91-0853801 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Frontier Behavioral Health 403(b) Investment Plan
Type
Defined contribution plan
Participants
1,125

About this data

Source: Frontier Behavioral Health'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 Frontier Behavioral Health.

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