John Muir Health

Walnut Creek, CA Health careNAICS 622000

Self-funded health planPlan year 2025Renews JanuaryCollectively bargained
5,871Participants+3% vs. prior year
$13.9MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#14 of 68Health care in CABy participants

Overview

John Muir Health sponsors a self-funded health plan that covered 5,871 participants in plan year 2025, up 3% 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
5,871 · prior year 5,697
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
John Muir Health Omnibus Welfare Plan, plan 520 (5,871 participants)
Stop-loss carrier
Sun Life Assurance Company of Canada
Broker compensation
$1.3M 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
Sun Life Assurance Company of CanadaStop-loss5,593$6.5M$387K
Standard Insurance CompanyLife, Long-term disability5,780$5.4M$865K

Pharmacy benefit estimate

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

$13.9M/ year

Estimated prescription spend: 5,871 participants × $2,371 national average per member. Usually higher once dependents are counted.

$362K–$892K/ year

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

Brands with a generic available$106K–$264K
Lower-cost therapeutic alternatives$155K–$323K
Generic pricing vs. actual cost$67K–$200K
PBM contract terms$35K–$104K
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
John Muir Health
Sponsor EIN
94-1461843
Plan number
520
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 94-1461843 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
John Muir Health 403b Plan
Type
Defined contribution plan
Participants
7,729

About this data

Source: John Muir Health'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 John Muir Health.

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