GZA Geoenvironmental, Inc.

Norwood, MA Professional servicesNAICS 541330

Self-funded health planPlan year 2025Renews January
784Participants+34% vs. prior year
$1.9MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#27 of 39Professional services in MABy participants

Overview

GZA Geoenvironmental, Inc. sponsors a self-funded health plan that covered 784 participants in plan year 2025, up 34% 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
784 · prior year 584
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
GZA Geoenvironmental, Inc. Employee Benefit Plan, plan 501 (784 participants)
Broker compensation
$19K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Hartford Life and AccidentLife, Short-term disability, Long-term disability784$817K$19K
Unum Life Insurance Company of AmericaGroup Long Term Care152$136K—
Vision Service PlanVision598$128K—

Pharmacy benefit estimate

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

$1.9M/ year

Estimated prescription spend: 784 participants × $2,371 national average per member. Usually higher once dependents are counted.

$48K–$119K/ year

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

Brands with a generic available$14K–$35K
Lower-cost therapeutic alternatives$21K–$43K
Generic pricing vs. actual cost$9K–$27K
PBM contract terms$5K–$14K
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
GZA Geoenvironmental, Inc.
Sponsor EIN
04-2393851
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 04-2393851 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
GZA Restated 401(k) Profit Sharing Plan
Type
401(k) plan
Participants
1,087

About this data

Source: GZA Geoenvironmental, 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 GZA Geoenvironmental, Inc..

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