Genesee & Wyoming Railroad Services, Inc.
Overview
Genesee & Wyoming Railroad Services, Inc. sponsors a self-funded health plan that covered 3,785 participants in plan year 2025, up 3% 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
- 3,785 · prior year 3,681
- Plan year
- Begins January 1 · next renewal January 2027
- Health plans filed
- Welfare Plan for Employees of Genesee & Wyoming, Inc., plan 501 (3,785 participants)
- Broker compensation
- $260K across insured contracts
Insurance carriers
Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.
| Carrier | Coverage | Covered | Premium | Broker comp |
|---|---|---|---|---|
| First Unum Life Insurance Company | Long-term disability | 2,566 | $1.9M | $28K |
| First Unum Life Insurance Compnay | Life | 3,461 | $1.6M | $24K |
| Reliastar Life Insurance Company of New York | Individual Excess Risk | 3,214 | $1.1M | $64K |
| American Heritage Life Insurance Company | Accident and Critical Illness, Hospital Indemnity | 2,505 | $809K | $126K |
| The Guardian Life Insurance Company | Vision | 2,818 | $429K | $17K |
| Curalinc LLC | EAP | 3,935 | $68K | — |
Pharmacy benefit estimate
StreamRX estimate for a plan this size. Not based on this plan's claims.
Estimated prescription spend: 3,785 participants × $2,371 national average per member. Usually higher once dependents are counted.
Typical savings opportunity found in independent reviews of plans this size.
Form 5500 filing details
- Filing
- Form 5500 with Schedule A, plan year 2025
- Plan sponsor
- Genesee & Wyoming Railroad Services, Inc.
- Sponsor EIN
- 06-0984624
- Plan number
- 501
- Filed with
- U.S. Department of Labor (EBSA) via EFAST2
Verify this filing: search EIN 06-0984624 in the Department of Labor's EFAST2 Form 5500 search.
Retirement plan
- Plan
- Genesee & Wyoming Inc. 401(k) Savings Plan
- Type
- 401(k) plan
- Participants
- 4,746
About this data
Source: Genesee & Wyoming Railroad Services, 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 Genesee & Wyoming Railroad Services, Inc..