Institute of Nuclear Power Operations

Atlanta, GA Professional servicesNAICS 541990

Self-funded health planPlan year 2025Renews January
537Participants+21% vs. prior year
$1.3MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#24 of 28Professional services in GABy participants

Overview

Institute of Nuclear Power Operations sponsors a self-funded health plan that covered 537 participants in plan year 2025, up 21% 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
537 · prior year 443
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Institute of Nuclear Power Operations Medical Benefits Plan, plan 507 (537 participants)
Broker compensation
$9K 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
The Guardian Life Insurance Company of AmericaLong-term disability302$471K$9K
Vision Service PlanVision271$65K—

Pharmacy benefit estimate

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

$1.3M/ year

Estimated prescription spend: 537 participants × $2,371 national average per member. Usually higher once dependents are counted.

$33K–$82K/ year

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

Brands with a generic available$10K–$24K
Lower-cost therapeutic alternatives$14K–$30K
Generic pricing vs. actual cost$6K–$18K
PBM contract terms$3K–$10K
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
Institute of Nuclear Power Operations
Sponsor EIN
58-1382198
Plan number
507
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 58-1382198 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Institute of Nuclear Power Operations 401(k) Retirement Savings Plan
Type
401(k) plan
Participants
423

About this data

Source: Institute of Nuclear Power Operations'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 Institute of Nuclear Power Operations.

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