Lightera, LLC
Overview
Lightera, LLC sponsors a self-funded health plan that covered 1,346 participants in plan year 2025, up 13% from the prior year. The plan year starts in January. Alongside medical, its benefits filing reports life insurance, dental, short-term disability, prepaid legal, and more.
- Plan type
- ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
- Participants
- 1,346 · prior year 1,194
- Plan year
- Begins January 1 · next renewal January 2027
- Health plans filed
- Lightera, LLC Master Welfare Benefit Plan, plan 501 (1,346 participants); OFS Represented Retiree Medical and Dental Plan, plan 510 (500 participants)
- Broker compensation
- $81K 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 |
|---|---|---|---|---|
| Hartford Life and Accident | Life, Long-term disability | 1,861 | $2.7M | $51K |
| Unum Insurance Company | Accident, Critical Illness | 361 | $173K | $28K |
| Provident Life and Accident Insurance Company | Life | 153 | $38K | $948 |
| MetLife Legal Plans | Legal | 300 | $24K | — |
| Unum Life Insurance Company of America | Hospital Indemnity, Critical Illness | 297 | $5K | $783 |
| Federal Insurance Company | Business Travel Accident | 1,346 | $2K | $33 |
Pharmacy benefit estimate
StreamRX estimate for a plan this size. Not based on this plan's claims.
Estimated prescription spend: 1,346 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
- Lightera, LLC
- Sponsor EIN
- 62-1864622
- Plan numbers
- 501, 510
- Filed with
- U.S. Department of Labor (EBSA) via EFAST2
Verify this filing: search EIN 62-1864622 in the Department of Labor's EFAST2 Form 5500 search.
Retirement plan
- Plan
- Lightera Non-Represented 401(k) Plan
- Type
- 401(k) plan
- Participants
- 1,351
About this data
Source: Lightera, LLC'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 Lightera, LLC.