Lincoln Memorial University Group

Harrogate, TN EducationNAICS 611000

Self-funded health planPlan year 2025Renews February
1,093Participants+2% vs. prior year
$2.6MEst. pharmacy spend / yrParticipants × national avg.
Feb 2027Next renewalPlan year begins February 1
#1 of 4Education in TNBy participants

Overview

Lincoln Memorial University Group sponsors a self-funded health plan that covered 1,093 participants in plan year 2025, up 2% from the prior year. The plan year starts in February. 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
1,093 · prior year 1,071
Plan year
Begins February 1 · next renewal February 2027
Health plans filed
Lincoln Memorial University Group Health and Life Insurance Plan, plan 501 (1,093 participants)
Broker compensation
$178K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityOther welfare benefits

Insurance carriers

Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.

CarrierCoverageCoveredPremiumBroker comp
The Guardian Life Insurance Company of AmericaDental, Life, Short-term disability, Long-term disability1,095$1.1M$171K
Bluecross Blueshield of Tennessee, Inc.Vision1,418$74K$7K

Pharmacy benefit estimate

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

$2.6M/ year

Estimated prescription spend: 1,093 participants × $2,371 national average per member. Usually higher once dependents are counted.

$67K–$166K/ year

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

Brands with a generic available$20K–$49K
Lower-cost therapeutic alternatives$29K–$60K
Generic pricing vs. actual cost$12K–$37K
PBM contract terms$6K–$19K
The DOL's PBM fee disclosure rule first applies to this plan for the plan year beginning February 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
Lincoln Memorial University Group
Sponsor EIN
62-0479542
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 62-0479542 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Lincoln Memorial University Defined Contribution Retirement Plan
Type
Defined contribution plan
Participants
1,728

About this data

Source: Lincoln Memorial University Group'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 Lincoln Memorial University Group.

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