Kettler, Inc.

Mclean, VA Real estateNAICS 531310

Self-funded health planPlan year 2025Renews January
681Participants+30% vs. prior year
$1.6MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#11 of 12Real estate in VABy participants

Overview

Kettler, Inc. sponsors a self-funded health plan that covered 681 participants in plan year 2025, up 30% 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
681 · prior year 525
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Kettler Welfare Benefit Plan, plan 502 (681 participants)
Stop-loss carrier
Cigna Health and Life Insurance Company and Affiliates
Broker compensation
$246K 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
Cigna Health and Life Insurance Company and AffiliatesStop-loss736$1.6M$139K
Lincoln National Life Insurance CompanyLife, Short-term disability, Long-term disability681$483K$95K
Metropolitan Life Insurance CompanyDental, Vision945$347K$12K

Pharmacy benefit estimate

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

$1.6M/ year

Estimated prescription spend: 681 participants × $2,371 national average per member. Usually higher once dependents are counted.

$42K–$103K/ year

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

Brands with a generic available$12K–$31K
Lower-cost therapeutic alternatives$18K–$37K
Generic pricing vs. actual cost$8K–$23K
PBM contract terms$4K–$12K
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
Kettler, Inc.
Sponsor EIN
54-1620902
Plan number
502
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 54-1620902 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Kettler Retirement Plan
Type
401(k) plan
Participants
928

About this data

Source: Kettler, 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 Kettler, Inc..

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