Kubicki Draper, P.A.

Miami, FL Professional servicesNAICS 541110

Self-funded health planPlan year 2025Renews January
538Participants+23% vs. prior year
$1.3MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#50 of 53Professional services in FLBy participants

Overview

Kubicki Draper, P.A. sponsors a self-funded health plan that covered 538 participants in plan year 2025, up 23% from the prior year. The plan year starts in January. Alongside medical, its benefits filing reports life insurance, dental, vision, long-term disability.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
538 · prior year 436
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Kubicki Draper, P.A. Welfare Benefit Plan, plan 501 (538 participants)
Broker compensation
$27K across insured contracts
MedicalLife insuranceDentalVisionLong-term disabilityOther welfare benefits

Insurance carriers

Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.

CarrierCoverageCoveredPremiumBroker comp
Unum Life Insurance Company of AmericaLife, Long-term disability538$318K$11K
Starmount Life Insurance CompanyDental, Vision416$135K—
UnitedHealthcare Insurance CompanyDental, Vision704$128K—
Colonial Life & Accident Insurance CompanyVoluntary Worksite Plans, Voluntary Worksite Benefits83$83K$16K

Pharmacy benefit estimate

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

$1.3M/ year

Estimated prescription spend: 538 participants × $2,371 national average per member. Usually higher once dependents are counted.

$33K–$82K/ year

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

Brands with a generic available$10K–$24K
Lower-cost therapeutic alternatives$14K–$30K
Generic pricing vs. actual cost$6K–$18K
PBM contract terms$3K–$10K
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
Kubicki Draper, P.A.
Sponsor EIN
59-1365340
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 59-1365340 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Kubicki Draper, P.A. 401(k) Plan
Type
401(k) plan
Participants
639

About this data

Source: Kubicki Draper, P.A.'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 Kubicki Draper, P.A..

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