Morningstar, Inc.
Overview
Morningstar, Inc. sponsors a self-funded health plan that covered 3,323 participants in plan year 2025, down 5% 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
- 3,323 · prior year 3,480
- Plan year
- Begins January 1 · next renewal January 2027
- Health plans filed
- Morningstar, Inc. Health and Medical Plan, plan 502 (3,323 participants)
- Broker compensation
- $553K across insured contracts
Insurance carriers
Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.
| Carrier | Coverage | Covered | Premium | Broker comp |
|---|---|---|---|---|
| Unum Life Insurance Company of America | Life, Short-term disability, Long-term disability | 3,313 | $1.6M | $221K |
| The Lincoln National Life Insurance Company | Accident, Critical Illness, Hospital | 1,739 | $493K | $319K |
| Vision Service Plan | Vision | 2,179 | $383K | — |
| Pre-Paid Legal Services Inc. DBA Legalshield | Legal | 425 | $80K | $14K |
| Telus Health US Ltd. | Employee Assistance Program | 3,426 | $54K | — |
Pharmacy benefit estimate
StreamRX estimate for a plan this size. Not based on this plan's claims.
Estimated prescription spend: 3,323 participants × $2,371 national average per member. Usually higher once dependents are counted.
Typical savings opportunity found in independent reviews of plans this size.
Form 5500 filing details
- Filing
- Form 5500 with Schedule A, plan year 2025
- Plan sponsor
- Morningstar, Inc.
- Sponsor EIN
- 36-3297908
- Plan number
- 502
- Filed with
- U.S. Department of Labor (EBSA) via EFAST2
Verify this filing: search EIN 36-3297908 in the Department of Labor's EFAST2 Form 5500 search.
Retirement plan
- Plan
- Morningstar, Inc. 401(k) Plan
- Type
- 401(k) plan
- Participants
- 5,275
About this data
Source: Morningstar, 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 Morningstar, Inc..