Lithko Contracting, LLC

West Chester, OH ConstructionNAICS 238900

Self-funded health planPlan year 2025Renews January
3,896Participants-21% vs. prior year
$9.2MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#2 of 21Construction in OHBy participants

Overview

Lithko Contracting, LLC sponsors a self-funded health plan that covered 3,896 participants in plan year 2025, down 21% 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
3,896 · prior year 4,920
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Building Your Benefits Health & Welfare Benefit Plan, plan 505 (3,896 participants)
Broker compensation
$110K 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
The Lincoln National Life Insurance CompanyLong-term disability, Life3,849$1.7M$85K
Delta Dental of OhioDental3,595$1.2M$5K
Vision Service PlanVision1,517$208K$21K

Pharmacy benefit estimate

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

$9.2M/ year

Estimated prescription spend: 3,896 participants × $2,371 national average per member. Usually higher once dependents are counted.

$240K–$592K/ year

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

Brands with a generic available$70K–$176K
Lower-cost therapeutic alternatives$103K–$214K
Generic pricing vs. actual cost$44K–$133K
PBM contract terms$23K–$69K
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
Lithko Contracting, LLC
Sponsor EIN
43-1214734
Plan number
505
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 43-1214734 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Building Your Benefits Retirement Savings Plan
Type
401(k) plan
Participants
4,158

About this data

Source: Lithko Contracting, 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 Lithko Contracting, LLC.

Request a correction · Methodology