Gate Gourmet, Inc.

Reston, VA HospitalityNAICS 722300

Self-funded health planPlan year 2025Renews JanuaryCollectively bargained
9,886Participants+4% vs. prior year
$23.4MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#1 of 6Hospitality in VABy participants

Overview

Gate Gourmet, Inc. sponsors a self-funded health plan that covered 9,886 participants in plan year 2025, up 4% 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
9,886 · prior year 9,530
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Gate Gourmet, Inc. Group Health & Welfare Plan, plan 501 (9,886 participants)
Stop-loss carrier
Cigna Health and Life Insurance Company and Affiliates
Broker compensation
$147K 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
Cigna Health and Life Insurance Company and AffiliatesDental, HMO, Stop-loss2,574$2.8M$97K
Hmsa Health PlanHMO, PPO58$1.1M—
Lincoln National Life Insurance CompanyLife, Long-term disability, Short-Term Disability9,065$923K$32K
Vision Service PlanVision1,570$202K—
Reliastar Life Insurance CompanyAccident Voluntary Employee, Critical Illness Voluntary Employee, Hospital Confinement Voluntary Employee430$122K$14K
Arag Insurance CompanyLegal216$19K$3K

Pharmacy benefit estimate

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

$23.4M/ year

Estimated prescription spend: 9,886 participants × $2,371 national average per member. Usually higher once dependents are counted.

$609K–$1.5M/ year

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

Brands with a generic available$178K–$445K
Lower-cost therapeutic alternatives$260K–$544K
Generic pricing vs. actual cost$113K–$338K
PBM contract terms$59K–$176K
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
Gate Gourmet, Inc.
Sponsor EIN
36-3333786
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 36-3333786 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Gate Gourmet, Inc. Bargained Employees' 401(k) Plan
Type
401(k) plan
Participants
9,429

About this data

Source: Gate Gourmet, 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 Gate Gourmet, Inc..

Request a correction · Methodology