Loews Hotels at Universal Orlando Resort

Orlando, FL HospitalityNAICS 721110

Self-funded health planPlan year 2025Renews January
5,119Participants+20% vs. prior year
$12.1MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#3 of 13Hospitality in FLBy participants

Overview

Loews Hotels at Universal Orlando Resort sponsors a self-funded health plan that covered 5,119 participants in plan year 2025, up 20% 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
5,119 · prior year 4,253
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Fringe Benefits and Welfare Plan, plan 501 (5,119 participants)
Broker compensation
$194K 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
Hartford Life and AccidentShort-term disability, Long-term disability1,440$514K$35K
Prudential Insurance Company of AmericaLife5,125$453K$159K
Cigna Health and Life Insurance Company and AffiliatesDental, HMO843$413K—
Vision Service PlanVision2,464$315K—
Anthem Insurance Companies, Inc.Employee Assistance Program2,340$84K—

Pharmacy benefit estimate

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

$12.1M/ year

Estimated prescription spend: 5,119 participants × $2,371 national average per member. Usually higher once dependents are counted.

$316K–$778K/ year

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

Brands with a generic available$92K–$231K
Lower-cost therapeutic alternatives$135K–$282K
Generic pricing vs. actual cost$58K–$175K
PBM contract terms$30K–$91K
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
Loews Hotels at Universal Orlando Resort
Sponsor EIN
59-3512023
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 59-3512023 in the Department of Labor's EFAST2 Form 5500 search.

About this data

Source: Loews Hotels at Universal Orlando Resort'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 Loews Hotels at Universal Orlando Resort.

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