Hotwire Communications, Ltd

Fort Lauderdale, FL Information & technologyNAICS 517000

Self-funded health planPlan year 2025Renews January
2,017Participants+56% vs. prior year
$4.8MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#3 of 6Information & technology in FLBy participants

Overview

Hotwire Communications, Ltd sponsors a self-funded health plan that covered 2,017 participants in plan year 2025, up 56% 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
2,017 · prior year 1,289
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Hotwire Communications, Ltd Health and Welfare Benefit Plans, plan 501 (2,017 participants)
Broker compensation
$173K 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
Lincoln National Life Insurance CompanyLife, Long-term disability2,017$824K$150K
The Guardian Life Insurance Company of AmericaDental1,600$695K$11K
Eyemed Vision Care on Behalf of Fidelity Security Life Insurance Co.Vision2,473$122K$12K

Pharmacy benefit estimate

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

$4.8M/ year

Estimated prescription spend: 2,017 participants × $2,371 national average per member. Usually higher once dependents are counted.

$124K–$307K/ year

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

Brands with a generic available$36K–$91K
Lower-cost therapeutic alternatives$53K–$111K
Generic pricing vs. actual cost$23K–$69K
PBM contract terms$12K–$36K
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
Hotwire Communications, Ltd
Sponsor EIN
01-0744734
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 01-0744734 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Hotwire Communications 401(k) Plan
Type
401(k) plan
Participants
2,135

About this data

Source: Hotwire Communications, Ltd'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 Hotwire Communications, Ltd.

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