Frontline Insurance Managers, Inc.

Lake Mary, FL Finance & insuranceNAICS 524210

Self-funded health planPlan year 2024Renews June
599ParticipantsFirst year on file
$1.4MEst. pharmacy spend / yrParticipants × national avg.
Jun 2027Next renewalPlan year begins June 1
#17 of 23Finance & insurance in FLBy participants

Overview

Frontline Insurance Managers, Inc. sponsors a self-funded health plan that covered 599 participants in plan year 2024. The plan year starts in June. 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
599
Plan year
Begins June 1 · next renewal June 2027
Health plans filed
Frontline Insurance Managers Welfare Benefit Plan, plan 501 (599 participants)
Broker compensation
$79K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
UnitedHealthcare Insurance CompanyLife, Short-term disability, Long-term disability852$391K$59K
Principal Life Insurance CompanyDental969$373K$15K
Eyemed Vision Care on Behalf of the Fidelity Security Life Ins. Co.Vision762$51K$5K

Pharmacy benefit estimate

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

$1.4M/ year

Estimated prescription spend: 599 participants × $2,371 national average per member. Usually higher once dependents are counted.

$37K–$91K/ year

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

Brands with a generic available$11K–$27K
Lower-cost therapeutic alternatives$16K–$33K
Generic pricing vs. actual cost$7K–$20K
PBM contract terms$4K–$11K
The DOL's PBM fee disclosure rule first applies to this plan for the plan year beginning June 2028: semiannual PBM compensation reports and an annual audit right.

Form 5500 filing details

Filing
Form 5500 with Schedule A, plan year 2024
Plan sponsor
Frontline Insurance Managers, Inc.
Sponsor EIN
13-3963337
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 13-3963337 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Frontline Insurance Managers 401(k) Plan
Type
401(k) plan
Participants
647

About this data

Source: Frontline Insurance Managers, Inc.'s Form 5500 filing for plan year 2024 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 Frontline Insurance Managers, Inc..

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