Museum of Fine Arts, Houston

Houston, TX Arts & recreationNAICS 712100

Self-funded health planPlan year 2025Renews January
770Participants-1% vs. prior year
$1.8MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#5 of 6Arts & recreation in TXBy participants

Overview

Museum of Fine Arts, Houston sponsors a self-funded health plan that covered 770 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, and more.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
770 · prior year 782
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Museum of Fine Arts Houston Group Insurance Plan, plan 504 (770 participants)
Broker compensation
$28K across insured contracts
MedicalLife insuranceDentalVisionLong-term disabilitySeveranceDeath benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Aetna Life Insurance Company and AffiliatesDental, Vision615$260K$2K
Metropolitan Life Insurance CompanyLife, Long-term disability580$239K$25K
National Union Fire Insurance Company of Pittsburgh, PABusiness Travel Accident638$4K$531

Pharmacy benefit estimate

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

$1.8M/ year

Estimated prescription spend: 770 participants × $2,371 national average per member. Usually higher once dependents are counted.

$47K–$117K/ year

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

Brands with a generic available$14K–$35K
Lower-cost therapeutic alternatives$20K–$42K
Generic pricing vs. actual cost$9K–$26K
PBM contract terms$5K–$14K
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
Museum of Fine Arts, Houston
Sponsor EIN
74-1109655
Plan number
504
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 74-1109655 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
The Museum of Fine Arts, Houston Retirement Savings Plan
Type
Defined contribution plan
Participants
1,016

About this data

Source: Museum of Fine Arts, Houston'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 Museum of Fine Arts, Houston.

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