Molecular Epidemiology, Inc.

Lake Forest Park, WA Professional servicesNAICS 541380

Self-funded health planPlan year 2025Renews February
1,216Participants+16% vs. prior year
$2.9MEst. pharmacy spend / yrParticipants × national avg.
Feb 2027Next renewalPlan year begins February 1
#6 of 22Professional services in WABy participants

Overview

Molecular Epidemiology, Inc. sponsors a self-funded health plan that covered 1,216 participants in plan year 2025, up 16% from the prior year. The plan year starts in February. Alongside medical, its benefits filing reports life insurance, vision, short-term disability, long-term disability.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
1,216 · prior year 1,049
Plan year
Begins February 1 · next renewal February 2027
Health plans filed
Molecular Epidemiology Employee Benefits Plan, plan 501 (1,216 participants)
Stop-loss carrier
HCC Life Insurance Company
Broker compensation
$4K across insured contracts
MedicalLife insuranceVisionShort-term disabilityLong-term disability

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
HCC Life Insurance CompanyStop-loss750$380K—
Hartford Life and AccidentLife, Short-term disability, Long-term disability1,216$331K$1K
Vision Service PlanVision708$72K$2K

Pharmacy benefit estimate

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

$2.9M/ year

Estimated prescription spend: 1,216 participants × $2,371 national average per member. Usually higher once dependents are counted.

$75K–$185K/ year

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

Brands with a generic available$22K–$55K
Lower-cost therapeutic alternatives$32K–$67K
Generic pricing vs. actual cost$14K–$42K
PBM contract terms$7K–$22K
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
Molecular Epidemiology, Inc.
Sponsor EIN
91-1759869
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 91-1759869 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Molecular Epidemiology, Inc. 401(k) Profit Sharing Plan
Type
401(k) plan
Participants
1,675

About this data

Source: Molecular Epidemiology, Inc.'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 Molecular Epidemiology, Inc..

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