Northstar Group Services, Inc.

New York, NY ConstructionNAICS 238900

Self-funded health planPlan year 2025Renews January
1,008Participants+5% vs. prior year
$2.4MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#4 of 9Construction in NYBy participants

Overview

Northstar Group Services, Inc. sponsors a self-funded health plan that covered 1,008 participants in plan year 2025, up 5% 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
1,008 · prior year 957
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Northstar Group Services, Inc. Health Plan, plan 501 (1,008 participants)
Broker compensation
$76K 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
Cigna Health and Life Insurance Company and AffiliatesDental1,008$717K$16K
Reliastar Life Insurance CompanyLife, Short-term disability1,865$428K$39K
United of Omaha Life Insurance CompanyLong-term disability627$247K$21K
Eyemed Vision Care on Behalf of Fidelity Security Life Ins. CompanyVision1,842$95K—

Pharmacy benefit estimate

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

$2.4M/ year

Estimated prescription spend: 1,008 participants × $2,371 national average per member. Usually higher once dependents are counted.

$62K–$153K/ year

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

Brands with a generic available$18K–$45K
Lower-cost therapeutic alternatives$27K–$55K
Generic pricing vs. actual cost$11K–$34K
PBM contract terms$6K–$18K
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
Northstar Group Services, Inc.
Sponsor EIN
95-3404051
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 95-3404051 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Northstar Group Services, Inc. 401(k) Retirement Plan
Type
401(k) plan
Participants
1,827

About this data

Source: Northstar Group Services, Inc.'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 Northstar Group Services, Inc..

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