G.a. West & Co., Inc.

Creola, AL ConstructionNAICS 238900

Self-funded health planPlan year 2025Renews January
1,738Participants+85% vs. prior year
$4.1MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#4 of 9Construction in ALBy participants

Overview

G.a. West & Co., Inc. sponsors a self-funded health plan that covered 1,738 participants in plan year 2025, up 85% 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
1,738 · prior year 940
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
G.a. West & Co., Inc. Wrap Plan, plan 506 (1,738 participants)
Broker compensation
$271K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityDeath benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Colonial Life and Accident Insurance CompanyAccident, Critical Illness, Cancer493$399K$216K
Metropolitan Life Insurance CompanyLife, Short-term disability356$218K$48K
Vision Service PlanVision512$60K$6K

Pharmacy benefit estimate

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

$4.1M/ year

Estimated prescription spend: 1,738 participants × $2,371 national average per member. Usually higher once dependents are counted.

$107K–$264K/ year

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

Brands with a generic available$31K–$78K
Lower-cost therapeutic alternatives$46K–$96K
Generic pricing vs. actual cost$20K–$59K
PBM contract terms$10K–$31K
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
G.a. West & Co., Inc.
Sponsor EIN
63-0978835
Plan number
506
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 63-0978835 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
G.a. West & Company 401(k) Profit Sharing Plan & Trust
Type
401(k) plan
Participants
999

About this data

Source: G.a. West & Co., 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 G.a. West & Co., Inc..

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