Liberty Utilities Co.
Overview
Liberty Utilities Co. sponsors a self-funded health plan that covered 2,430 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
- 2,430 · prior year 2,430
- Plan year
- Begins January 1 · next renewal January 2027
- Health plans filed
- Liberty Utilities Health and Welfare Benefit Plan for Actives, plan 501 (2,430 participants); Liberty Utilities Health and Welfare Benefit Plan for Retirees, plan 502 (265 participants)
- Stop-loss carrier
- Excellus Bcbs; Excellus Bcbs
- Broker compensation
- $1.4M across insured contracts
Insurance carriers
Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.
| Carrier | Coverage | Covered | Premium | Broker comp |
|---|---|---|---|---|
| The Guardian Life Insurance Company of America | Dental, Vision, Life, Short-term disability, Long-term disability | 2,258 | $4.0M | $588K |
| Excellus Bcbs | Stop-loss | 1,966 | $2.5M | $781K |
| Express Scripts, Inc. | Prescription drug | 226 | $792K | $12K |
| Hartford Life & Accident Insurance Company | Life | 226 | $701K | $37K |
| The Hartford | Business Travel Accident | 2,258 | $29K | $4K |
| Lifetime Benefit Solutions | Flexible Spending Account | 495 | $23K | — |
Pharmacy benefit estimate
StreamRX estimate for a plan this size. Not based on this plan's claims.
Estimated prescription spend: 2,430 participants × $2,371 national average per member. Usually higher once dependents are counted.
Typical savings opportunity found in independent reviews of plans this size.
Form 5500 filing details
- Filing
- Form 5500 with Schedule A, plan year 2025
- Plan sponsor
- Liberty Utilities Co.
- Sponsor EIN
- 27-4444001
- Plan numbers
- 501, 502
- Filed with
- U.S. Department of Labor (EBSA) via EFAST2
Verify this filing: search EIN 27-4444001 in the Department of Labor's EFAST2 Form 5500 search.
Retirement plan
- Plan
- Liberty Utilities Cash Balance Pension Plan
- Type
- Pension plan
- Participants
- 2,323
About this data
Source: Liberty Utilities Co.'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 Liberty Utilities Co..