Goodwill of Central and Northern Arizona

Phoenix, AZ Health careNAICS 624310

Self-funded health planPlan year 2025Renews January
3,357Participants+13% vs. prior year
$8.0MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#6 of 40Health care in AZBy participants

Overview

Goodwill of Central and Northern Arizona sponsors a self-funded health plan that covered 3,357 participants in plan year 2025, up 13% 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
3,357 · prior year 2,974
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Goodwill of Central and Northern Arizona Health & Welfare Plan, plan 501 (3,357 participants)
Stop-loss carrier
Fringe Benefit Group, Inc.
Broker compensation
$442K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityOther 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 CompanyMedical, Prescription drug, Accident, Critical Illness, Hospital Indemnity1,193$6.9M$332K
ArmadacareMedical52$1.0M$16K
Ameritas Life Insurance Corp.Dental, Vision3,399$638K$32K
Unum Life Insurance Company of AmericaLife, Long-term disability, Short-term disability3,280$556K$50K
Fringe Benefit Group, Inc.Medical, Prescription drug, Stop-loss351$305K—
Vision Service PlanVision1,308$115K$12K

Pharmacy benefit estimate

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

$8.0M/ year

Estimated prescription spend: 3,357 participants × $2,371 national average per member. Usually higher once dependents are counted.

$207K–$510K/ year

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

Brands with a generic available$60K–$151K
Lower-cost therapeutic alternatives$88K–$185K
Generic pricing vs. actual cost$38K–$115K
PBM contract terms$20K–$60K
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
Goodwill of Central and Northern Arizona
Sponsor EIN
86-0104415
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 86-0104415 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Goodwill of Central and Northern Arizona Retirement Plan
Type
401(k) plan
Participants
5,309

About this data

Source: Goodwill of Central and Northern Arizona'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 Goodwill of Central and Northern Arizona.

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