Mount Saint Marys University

Emmitsburg, MD EducationNAICS 611000

Self-funded health planPlan year 2025Renews January
554Participants+0% vs. prior year
$1.3MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#5 of 5Education in MDBy participants

Overview

Mount Saint Marys University sponsors a self-funded health plan that covered 554 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, long-term disability.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
554 · prior year 552
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Mount Saint Marys University Group Health Plan, plan 509 (554 participants)
Broker compensation
$3K across insured contracts
MedicalLife insuranceDentalVisionLong-term disability

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
United Concordia Insurance CompanyDental224$213K—
Life Insurance Company of North AmericaAccidental Death & Dismemberment, Long-term disability, Life475$172K—
United Concordia Dental Plans, Inc.Dental96$34K—
Eyemed Vision CareVision289$16K$3K

Pharmacy benefit estimate

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

$1.3M/ year

Estimated prescription spend: 554 participants × $2,371 national average per member. Usually higher once dependents are counted.

$34K–$84K/ year

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

Brands with a generic available$10K–$25K
Lower-cost therapeutic alternatives$15K–$30K
Generic pricing vs. actual cost$6K–$19K
PBM contract terms$3K–$10K
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
Mount Saint Marys University
Sponsor EIN
52-0591672
Plan number
509
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 52-0591672 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Mount Saint Mary's University Defined Contribution Retirement Plan
Type
Defined contribution plan
Participants
1,850

About this data

Source: Mount Saint Marys University'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 Mount Saint Marys University.

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