Lighthouse Autism Center

Mishawaka, IN Health careNAICS 621399

Self-funded health planPlan year 2025Renews January
1,657Participants+8% vs. prior year
$3.9MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#15 of 36Health care in INBy participants

Overview

Lighthouse Autism Center sponsors a self-funded health plan that covered 1,657 participants in plan year 2025, up 8% from 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
1,657 · prior year 1,542
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
VAV Operations Employee Benefit Plan, plan 501 (1,657 participants)
Broker compensation
$98K 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
Prudential Insurance Company of AmericaLife, Short-term disability, Long-term disability1,657$423K$61K
Delta Dental of IndianaDental1,501$340K$16K
Principal Life Insurance CompanyDental, Vision, Life, Short-term disability210$84K$15K
Vision Service PlanVision964$74K$7K

Pharmacy benefit estimate

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

$3.9M/ year

Estimated prescription spend: 1,657 participants × $2,371 national average per member. Usually higher once dependents are counted.

$102K–$252K/ year

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

Brands with a generic available$30K–$75K
Lower-cost therapeutic alternatives$44K–$91K
Generic pricing vs. actual cost$19K–$57K
PBM contract terms$10K–$29K
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
Lighthouse Autism Center
Sponsor EIN
45-3668959
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 45-3668959 in the Department of Labor's EFAST2 Form 5500 search.

About this data

Source: Lighthouse Autism Center'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 Lighthouse Autism Center.

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