Pathways LLC

Fredericksburg, VA Health careNAICS 624100

Self-funded health planPlan year 2025Renews January
3,396Participants-3% vs. prior year
$8.1MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#11 of 34Health care in VABy participants

Overview

Pathways LLC sponsors a self-funded health plan that covered 3,396 participants in plan year 2025, down 3% 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
3,396 · prior year 3,487
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Pathways LLC Welfare Plan, plan 501 (3,396 participants)
Broker compensation
$362K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityPrepaid legalLong-term disabilityOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Anthem Health Plans of Virginia DBA Anthem BcbsDental, Vision2,804$11.6M$136K
Life Insurance Company of North AmericaLong-term disability, Short-term disability, Life, Accidental Death & Dismemberment3,633$1.0M$218K
Legalplans USALegal310$56K$8K

Pharmacy benefit estimate

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

$8.1M/ year

Estimated prescription spend: 3,396 participants × $2,371 national average per member. Usually higher once dependents are counted.

$209K–$516K/ year

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

Brands with a generic available$61K–$153K
Lower-cost therapeutic alternatives$89K–$187K
Generic pricing vs. actual cost$39K–$116K
PBM contract terms$20K–$60K
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
Pathways LLC
Sponsor EIN
47-2525144
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 47-2525144 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Pathways 401(k) Plan
Type
401(k) plan
Participants
4,736

About this data

Source: Pathways LLC'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 Pathways LLC.

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