Guardian Rail, LLC
Overview
Guardian Rail, LLC sponsors a self-funded health plan that covered 833 participants in plan year 2025, about the same as 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
- 833 · prior year 833
- Plan year
- Begins January 1 · next renewal January 2027
- Health plans filed
- Guardian Rail Employee Benefits, plan 501 (833 participants)
- Broker compensation
- $148K 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 |
|---|---|---|---|---|
| Lincoln National Life Insurance Company | Life, Short-term disability, Long-term disability | 696 | $478K | $80K |
| The Lincoln National Life Insurance Company | Dental, Vision | 539 | $395K | $68K |
Pharmacy benefit estimate
StreamRX estimate for a plan this size. Not based on this plan's claims.
Estimated prescription spend: 833 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
- Guardian Rail, LLC
- Sponsor EIN
- 83-3581368
- Plan number
- 501
- Filed with
- U.S. Department of Labor (EBSA) via EFAST2
Verify this filing: search EIN 83-3581368 in the Department of Labor's EFAST2 Form 5500 search.
About this data
Source: Guardian Rail, LLC'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 Guardian Rail, LLC.