Northgate Resorts HR, LLC

Grand Rapids, MI HospitalityNAICS 721210

Self-funded health planPlan year 2024Renews September
1,851ParticipantsFirst year on file
$4.4MEst. pharmacy spend / yrParticipants × national avg.
Sep 2027Next renewalPlan year begins September 1
#1 of 4Hospitality in MIBy participants

Overview

Northgate Resorts HR, LLC sponsors a self-funded health plan that covered 1,851 participants in plan year 2024. The plan year starts in September. Alongside medical, its benefits filing reports life insurance, dental, vision, short-term disability.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
1,851
Plan year
Begins September 1 · next renewal September 2027
Health plans filed
Northgate Resorts HR LLC Benefits Plan, plan 501 (1,851 participants)
Broker compensation
$33K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Delta Dental of MichiganDental403$99K$12K
Colonial Life & Accident Insurance CompanyLife, Short-term disability79$66K$20K
Employee Services LLCEmployee Assistance Program1,851$19K—
Blue Cross Blue Shield of MichiganVision349$17K$1K

Pharmacy benefit estimate

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

$4.4M/ year

Estimated prescription spend: 1,851 participants × $2,371 national average per member. Usually higher once dependents are counted.

$114K–$281K/ year

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

Brands with a generic available$33K–$83K
Lower-cost therapeutic alternatives$49K–$102K
Generic pricing vs. actual cost$21K–$63K
PBM contract terms$11K–$33K
The DOL's PBM fee disclosure rule first applies to this plan for the plan year beginning September 2027: semiannual PBM compensation reports and an annual audit right.

Form 5500 filing details

Filing
Form 5500 with Schedule A, plan year 2024
Plan sponsor
Northgate Resorts HR, LLC
Sponsor EIN
36-4897307
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 36-4897307 in the Department of Labor's EFAST2 Form 5500 search.

About this data

Source: Northgate Resorts HR, LLC's Form 5500 filing for plan year 2024 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 Northgate Resorts HR, LLC.

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