Lumos Networks Operating Company, LLC

Waynesboro, VA Information & technologyNAICS 517000

Self-funded health planPlan year 2025Renews January
1,331Participants+56% vs. prior year
$3.2MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#5 of 11Information & technology in VABy participants

Overview

Lumos Networks Operating Company, LLC sponsors a self-funded health plan that covered 1,331 participants in plan year 2025, up 56% 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
1,331 · prior year 852
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Lumos Networks Employee Benefits Plan, plan 503 (1,331 participants)
Broker compensation
$267K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityPrepaid legalLong-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Reliance Standard Life Insurance CompanyLife, Short-term disability, Long-term disability1,323$1.3M$166K
Reliastar Life Insurance CompanyAccident, Critical Illness, Hospital425$224K$99K
Legal ResourcesLegal287$101K$2K

Pharmacy benefit estimate

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

$3.2M/ year

Estimated prescription spend: 1,331 participants × $2,371 national average per member. Usually higher once dependents are counted.

$82K–$202K/ year

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

Brands with a generic available$24K–$60K
Lower-cost therapeutic alternatives$35K–$73K
Generic pricing vs. actual cost$15K–$45K
PBM contract terms$8K–$24K
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
Lumos Networks Operating Company, LLC
Sponsor EIN
90-0673286
Plan number
503
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 90-0673286 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Lumos Networks Savings and Security Plan
Type
401(k) plan
Participants
1,710

About this data

Source: Lumos Networks Operating Company, 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 Lumos Networks Operating Company, LLC.

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