Insulation Specialists of Tulsa

Tulsa, OK Wholesale tradeNAICS 423300

Self-funded health planPlan year 2025Renews January
1,046Participants+28% vs. prior year
$2.5MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#1 of 1Wholesale trade in OKBy participants

Overview

Insulation Specialists of Tulsa sponsors a self-funded health plan that covered 1,046 participants in plan year 2025, up 28% 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
1,046 · prior year 819
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Insulation Specialists of Tula Health & Welfare Plan, plan 501 (1,046 participants)
Broker compensation
$124K 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
Delta DentalDental435$324K$32K
United of Omaha Life Insurance CompanyLife1,197$206K$42K
Metropolitan Life Insurance CompanyVision, Short-term disability, Long-term disability768$192K$33K
Continental American Insurance CompanyAccident, Critical Illness, Hospital, Ca184$91K$17K

Pharmacy benefit estimate

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

$2.5M/ year

Estimated prescription spend: 1,046 participants × $2,371 national average per member. Usually higher once dependents are counted.

$64K–$159K/ year

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

Brands with a generic available$19K–$47K
Lower-cost therapeutic alternatives$28K–$58K
Generic pricing vs. actual cost$12K–$36K
PBM contract terms$6K–$19K
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
Insulation Specialists of Tulsa
Sponsor EIN
73-1513570
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 73-1513570 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Isti Plant Services 401(k) Retirement Plan
Type
401(k) plan
Participants
1,246

About this data

Source: Insulation Specialists of Tulsa'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 Insulation Specialists of Tulsa.

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