Northwestern Medical Center, Inc.

St. Albans, VT Health careNAICS 621491

Self-funded health planPlan year 2025Renews January
600Participants+5% vs. prior year
$1.4MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#5 of 8Health care in VTBy participants

Overview

Northwestern Medical Center, Inc. sponsors a self-funded health plan that covered 600 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
600 · prior year 570
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Northwestern Medical Center's Health & Welfare Benefit Plan, plan 508 (600 participants)
Broker compensation
$56K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Standard Insurance CompanyLife, Short-term disability, Long-term disability589$673K$54K
Vision Service PlanVision428$69K$2K
KGAEmployee Assistance Program761$25K—

Pharmacy benefit estimate

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

$1.4M/ year

Estimated prescription spend: 600 participants × $2,371 national average per member. Usually higher once dependents are counted.

$37K–$91K/ year

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

Brands with a generic available$11K–$27K
Lower-cost therapeutic alternatives$16K–$33K
Generic pricing vs. actual cost$7K–$20K
PBM contract terms$4K–$11K
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
Northwestern Medical Center, Inc.
Sponsor EIN
03-0266986
Plan number
508
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 03-0266986 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Northwestern Medical Center, Inc. 403(b) Plan
Type
Defined contribution plan
Participants
1,031

About this data

Source: Northwestern Medical Center, 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 Northwestern Medical Center, Inc..

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