Mosaic Health System

Saint Joseph, MO Health careNAICS 622000

Self-funded health planPlan year 2025Renews January
3,321Participants+2% vs. prior year
$7.9MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#9 of 35Health care in MOBy participants

Overview

Mosaic Health System sponsors a self-funded health plan that covered 3,321 participants in plan year 2025, about the same as 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
3,321 · prior year 3,264
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Mosaic Health System Comprehensive Employee Benefit Plan, plan 501 (3,321 participants)
Broker compensation
$667K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityDeath benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
The Lincoln National Life Insurance CompanyLife, Short-term disability, Long-term disability3,321$2.3M$308K
Reliastar Life Insurance CompanyAccident, Critical Illness, Hospital, We4,095$1.2M$310K
Vision Service PlanVision3,230$438K—
Continental American Insurance CompanyLife683$190K$48K
Hartford Fire Insurance CompanyBusiness Travel Accident3,321$3K$643

Pharmacy benefit estimate

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

$7.9M/ year

Estimated prescription spend: 3,321 participants × $2,371 national average per member. Usually higher once dependents are counted.

$205K–$505K/ year

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

Brands with a generic available$60K–$150K
Lower-cost therapeutic alternatives$87K–$183K
Generic pricing vs. actual cost$38K–$113K
PBM contract terms$20K–$59K
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
Mosaic Health System
Sponsor EIN
43-1283316
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 43-1283316 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Mosaic Health System 401(k) Retirement Plan
Type
401(k) plan
Participants
6,281

About this data

Source: Mosaic Health System'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 Mosaic Health System.

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