National Indemnity Company

Omaha, NE Finance & insuranceNAICS 524150

Self-funded health planPlan year 2025Renews January
766Participants+10% vs. prior year
$1.8MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#9 of 10Finance & insurance in NEBy participants

Overview

National Indemnity Company sponsors a self-funded health plan that covered 766 participants in plan year 2025, up 10% 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
766 · prior year 699
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Flex Choice Plan (formerly Employee Insurance Premium Plan), plan 510 (766 participants)
Broker compensation
$248K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disability

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Bluecross Blueshield of NebraskaMedical, Prescription drug, PPO3,316$31.6M$39K
Guardian Life Insurance Company of AmericaDental1,987$1.2M$20K
Lincoln National Life Insurance CompanyLife, Long-term disability, Short-term disability1,625$1.1M$29K
Metropolitan Life Insurance CompanyMedical390$277K$161K
EyemedVision3,777$233K—

Pharmacy benefit estimate

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

$1.8M/ year

Estimated prescription spend: 766 participants × $2,371 national average per member. Usually higher once dependents are counted.

$47K–$116K/ 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
National Indemnity Company
Sponsor EIN
47-0355979
Plan number
510
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 47-0355979 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
National Indemnity Company Employee Retirement and Savings Plan
Type
401(k) plan
Participants
4,309

About this data

Source: National Indemnity Company'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 National Indemnity Company.

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