LAC Du Flambeau Band of Lake Superior Chippewa Indians

LAC Du Flambeau, WI Other servicesNAICS 813000

Self-funded health planPlan year 2024Renews October
527ParticipantsFirst year on file
$1.2MEst. pharmacy spend / yrParticipants × national avg.
Oct 2027Next renewalPlan year begins October 1
#8 of 8Other services in WIBy participants

Overview

LAC Du Flambeau Band of Lake Superior Chippewa Indians sponsors a self-funded health plan that covered 527 participants in plan year 2024. The plan year starts in October. 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
527
Plan year
Begins October 1 · next renewal October 2027
Health plans filed
LAC Du Flambeau Band of Lake Superior Chippewa Indians Employee Health and Welfare Benefit Plan, plan 501 (527 participants)
Broker compensation
$24K 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
Unum Life Insurance Company of AmericaLife, Short-term disability, Long-term disability585$478K$18K
HCC Life Insurance CompanyTransplant503$108K$5K
Provident Life and Accident Insurance CompanyWhole Life Insurance42$14K$916

Pharmacy benefit estimate

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

$1.2M/ year

Estimated prescription spend: 527 participants × $2,371 national average per member. Usually higher once dependents are counted.

$32K–$80K/ year

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

Brands with a generic available$9K–$24K
Lower-cost therapeutic alternatives$14K–$29K
Generic pricing vs. actual cost$6K–$18K
PBM contract terms$3K–$9K
The DOL's PBM fee disclosure rule first applies to this plan for the plan year beginning October 2027: semiannual PBM compensation reports and an annual audit right.

Form 5500 filing details

Filing
Form 5500 with Schedule A, plan year 2024
Plan sponsor
LAC Du Flambeau Band of Lake Superior Chippewa Indians
Sponsor EIN
39-0817274
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 39-0817274 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
LAC Du Flambeau Band of Lake Superior Chippewa Indians Enterprise 401(k) Plans
Type
401(k) plan
Participants
530

About this data

Source: LAC Du Flambeau Band of Lake Superior Chippewa Indians's Form 5500 filing for plan year 2024 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 LAC Du Flambeau Band of Lake Superior Chippewa Indians.

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