Legal Aid of North Carolina, Inc.

Raleigh, NC Professional servicesNAICS 541190

Self-funded health planPlan year 2025Renews January
670ParticipantsFirst year on file
$1.6MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#22 of 24Professional services in NCBy participants

Overview

Legal Aid of North Carolina, Inc. sponsors a self-funded health plan that covered 670 participants in plan year 2025. 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
670
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Legal Aid of North Caorlina, Inc. Health and Welfare Plan, plan 503 (670 participants)
Broker compensation
$33K 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
Metropolitan Life Insurance CompanyLife, Long-term disability670$444K$33K

Pharmacy benefit estimate

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

$1.6M/ year

Estimated prescription spend: 670 participants × $2,371 national average per member. Usually higher once dependents are counted.

$41K–$102K/ year

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

Brands with a generic available$12K–$30K
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
Legal Aid of North Carolina, Inc.
Sponsor EIN
31-1784161
Plan number
503
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 31-1784161 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Legal Aid of North Carolina RET Plan
Type
401(k) plan
Participants
576

About this data

Source: Legal Aid of North Carolina, 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 Legal Aid of North Carolina, Inc..

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