Merative US, L.P.

ANN Arbor, MI Professional servicesNAICS 541519

Self-funded health planPlan year 2025Renews January
845Participants-19% vs. prior year
$2.0MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#12 of 21Professional services in MIBy participants

Overview

Merative US, L.P. sponsors a self-funded health plan that covered 845 participants in plan year 2025, down 19% 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
845 · prior year 1,044
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Merative, L.P. Health and Welfare Plan, plan 501 (845 participants)
Broker compensation
$95K 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
Lincoln National Life Insurance CompanyLife, Long-term disability981$901K$75K
Metropolitan Life Insurance CompanyDental1,445$769K$140
Anthem Insurance Companies, Inc.Vision1,174$149K$559
Metropolitan General Insurance CompanyLegal359$69K$15K
Aetna Behavioral Health, LLCEmployee Assistance Program750$41K—
Health and Human Reource Center, Inc.Employee Assistance Program25$606—
Starr Indemnity & Liability CompanyBusiness Travel Accident750—$5K

Pharmacy benefit estimate

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

$2.0M/ year

Estimated prescription spend: 845 participants × $2,371 national average per member. Usually higher once dependents are counted.

$52K–$128K/ year

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

Brands with a generic available$15K–$38K
Lower-cost therapeutic alternatives$22K–$46K
Generic pricing vs. actual cost$10K–$29K
PBM contract terms$5K–$15K
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
Merative US, L.P.
Sponsor EIN
88-1430661
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 88-1430661 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Merative US L.P. 401(k) Retirement Plan
Type
401(k) plan
Participants
1,587

About this data

Source: Merative US, L.P.'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 Merative US, L.P..

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