Havas North America, Inc.

New York, NY Professional servicesNAICS 541800

Self-funded health planPlan year 2025Renews January
1,889Participants-37% vs. prior year
$4.5MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#19 of 70Professional services in NYBy participants

Overview

Havas North America, Inc. sponsors a self-funded health plan that covered 1,889 participants in plan year 2025, down 37% 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
1,889 · prior year 3,009
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Havas North America Welfare Benefit Plan, plan 525 (1,889 participants)
Broker compensation
$226K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityPrepaid legalLong-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Reliance Standard Life Insurance CompanyLife, Short-term disability, Long-term disability833$1.4M$146K
First Reliance Standard Life Insurance CompanyLife, Short-term disability, Long-term disability746$450K$24K
UnitedHealthcare Insurance CompanyVision2,210$356K$36K
Genworth Life Insurance CompanyLong Term Care125$173K$18K
MetLife Legal PlansLegal414$92K—
New Directions Behavioral HealthEmployee Assistance Program1,828$57K—
Ace American Insurance CompanyBusiness Travel Accident1,828$9K$3K

Pharmacy benefit estimate

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

$4.5M/ year

Estimated prescription spend: 1,889 participants × $2,371 national average per member. Usually higher once dependents are counted.

$116K–$287K/ year

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

Brands with a generic available$34K–$85K
Lower-cost therapeutic alternatives$50K–$104K
Generic pricing vs. actual cost$21K–$64K
PBM contract terms$11K–$34K
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
Havas North America, Inc.
Sponsor EIN
13-3356204
Plan number
525
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 13-3356204 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Havas North America 401(k) Retirement Plan
Type
401(k) plan
Participants
6,363

About this data

Source: Havas North America, 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 Havas North America, Inc..

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