KC Piggyback Holdings

Franklin, TN Transportation & logisticsNAICS 488510

Self-funded health planPlan year 2025Renews January
614Participants-1% vs. prior year
$1.5MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#14 of 15Transportation & logistics in TNBy participants

Overview

KC Piggyback Holdings sponsors a self-funded health plan that covered 614 participants in plan year 2025, about the same as 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
614 · prior year 621
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
KC Piggyback Holdings, plan 501 (614 participants)
Broker compensation
$198K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityOther 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 CanadaDental, Vision, Life, Short-term disability, Long-term disability636$998K$163K
Trustmark Insurance CompanyLife161$69K$24K
MED Investors Development, LLC DBA One To One HealthTelehealth415$50K—
Transamerica Life Insurance CompanyCancer117$30K$10K

Pharmacy benefit estimate

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

$1.5M/ year

Estimated prescription spend: 614 participants × $2,371 national average per member. Usually higher once dependents are counted.

$38K–$93K/ year

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

Brands with a generic available$11K–$28K
Lower-cost therapeutic alternatives$16K–$34K
Generic pricing vs. actual cost$7K–$21K
PBM contract terms$4K–$11K
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
KC Piggyback Holdings
Sponsor EIN
85-2091679
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 85-2091679 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Usmmg 401(k) Savings Plan
Type
401(k) plan
Participants
976

About this data

Source: KC Piggyback Holdings'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 KC Piggyback Holdings.

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