Jacobs Entertainment, Inc.

Lakewood, CO HospitalityNAICS 721120

Self-funded health planPlan year 2025Renews January
1,623Participants+9% vs. prior year
$3.8MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#4 of 8Hospitality in COBy participants

Overview

Jacobs Entertainment, Inc. sponsors a self-funded health plan that covered 1,623 participants in plan year 2025, up 9% 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
1,623 · prior year 1,483
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Jacobs Entertainment, Inc. Welfare Benefit Plan, plan 507 (1,623 participants)
Broker compensation
$162K 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
The Guardian Life Insurance Company of AmericaLife, Short-term disability, Long-term disability1,635$722K$100K
Combined Insurance Company of AmericaAccident, Critical Illness, Hospital1,392$221K$59K
Vision Service PlanVision944$73K$3K
Curalinc, LLCEmployee Assistance Program1,895$28K—

Pharmacy benefit estimate

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

$3.8M/ year

Estimated prescription spend: 1,623 participants × $2,371 national average per member. Usually higher once dependents are counted.

$100K–$247K/ year

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

Brands with a generic available$29K–$73K
Lower-cost therapeutic alternatives$43K–$89K
Generic pricing vs. actual cost$18K–$55K
PBM contract terms$10K–$29K
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
Jacobs Entertainment, Inc.
Sponsor EIN
34-1959351
Plan number
507
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 34-1959351 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Jacobs Entertainment, Inc.'s 401(k) Plan
Type
401(k) plan
Participants
2,427

About this data

Source: Jacobs Entertainment, 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 Jacobs Entertainment, Inc..

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