Peabody Investments Corp.

St. Louis, MO Mining & energyNAICS 212110

Self-funded health planPlan year 2025Renews January
1,318Participants-12% vs. prior year
$3.1MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#2 of 3Mining & energy in MOBy participants

Overview

Peabody Investments Corp. sponsors a self-funded health plan that covered 1,318 participants in plan year 2025, down 12% from the prior year. The plan year starts in January. Alongside medical, its benefits filing reports life insurance, dental, vision, long-term disability.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
1,318 · prior year 1,493
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Peabody Investments Corp. and Affiliates Welfare Benefit Plan for Non-Represented Retirees, plan 503 (1,318 participants)
Broker compensation
$84K across insured contracts
MedicalLife insuranceDentalVisionLong-term disabilityOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Metropolitan Life Insurance CompanyCritical Illness, Life, Accident, Accidental Death & Dismemberment5,373$2.5M$80K
Vision Service PlanVision2,652$348K—
Preferred Resource Network, Inc. DBA Personal Assistance ServicesEmployee Assistance Program3,470$71K—
Hartford Fire Insurance CompanyBusiness Travel Accident3,112$8K$6

Pharmacy benefit estimate

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

$3.1M/ year

Estimated prescription spend: 1,318 participants × $2,371 national average per member. Usually higher once dependents are counted.

$81K–$200K/ year

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

Brands with a generic available$24K–$59K
Lower-cost therapeutic alternatives$35K–$72K
Generic pricing vs. actual cost$15K–$45K
PBM contract terms$8K–$23K
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
Peabody Investments Corp.
Sponsor EIN
20-0480084
Plan number
503
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 20-0480084 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Peabody Investments Corp. Employee Retirement Account
Type
401(k) plan
Participants
5,161

About this data

Source: Peabody Investments Corp.'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 Peabody Investments Corp..

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