Grafton School, Inc.

Winchester, VA EducationNAICS 611000

Self-funded health planPlan year 2025Renews January
703Participants-3% vs. prior year
$1.7MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#8 of 11Education in VABy participants

Overview

Grafton School, Inc. sponsors a self-funded health plan that covered 703 participants in plan year 2025, down 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
703 · prior year 728
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Grafton School, Inc. Employee Benefits Plan, plan 501 (703 participants)
Broker compensation
$102K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityDeath benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
United of Omaha Life Insurance CompanyLife, Short-term disability, Long-term disability703$441K$78K
Metropolitian Life Insurance CompanyDental907$375K$24K
United Healthcare Insurance CompanyVision469$59K—

Pharmacy benefit estimate

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

$1.7M/ year

Estimated prescription spend: 703 participants × $2,371 national average per member. Usually higher once dependents are counted.

$43K–$107K/ year

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

Brands with a generic available$13K–$32K
Lower-cost therapeutic alternatives$19K–$39K
Generic pricing vs. actual cost$8K–$24K
PBM contract terms$4K–$13K
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
Grafton School, Inc.
Sponsor EIN
54-0682401
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 54-0682401 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Grafton School, Inc. 401k Plan
Type
401(k) plan
Participants
1,007

About this data

Source: Grafton School, 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 Grafton School, Inc..

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