Pennsylvania National Mutual Casualty Insurance Company

Harrisburg, PA Finance & insuranceNAICS 524290

Self-funded health planPlan year 2025Renews January
812Participants-1% vs. prior year
$1.9MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#27 of 34Finance & insurance in PABy participants

Overview

Pennsylvania National Mutual Casualty Insurance Company sponsors a self-funded health plan that covered 812 participants in plan year 2025, about the same as 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
812 · prior year 818
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Pennsylvania National Mutual Casualty Insurance Company and ITS Affiliated Companies Health and Welfare Plan, plan 512 (812 participants); Employee Assistance Plan for Employees of Pennsylvania National Mutual Casualty Insurance Company and ITS Affiliated Companies, plan 511 (807 participants); Flexible Benefits Plan for Employees of Pennsylvania National Mutual Casualty Insurance Company and ITS Affiliated Companies, plan 506 (806 participants)
Stop-loss carrier
Avalon Insurance Company
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilitySeveranceDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Avalon Insurance CompanyStop-loss, Prescription drug720$797K—
Life Insurance Company of North AmericaLong-term disability, Life, Accidental Death and Dismemberment802$721K—
Vision Service PlanVision630$168K—

Pharmacy benefit estimate

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

$1.9M/ year

Estimated prescription spend: 812 participants × $2,371 national average per member. Usually higher once dependents are counted.

$50K–$123K/ year

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

Brands with a generic available$15K–$37K
Lower-cost therapeutic alternatives$21K–$45K
Generic pricing vs. actual cost$9K–$28K
PBM contract terms$5K–$14K
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
Pennsylvania National Mutual Casualty Insurance Company
Sponsor EIN
23-0961349
Plan numbers
512, 511, 506
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 23-0961349 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Revised Pension Plan for Employees of Pennsylvania National Mutual Casualty Insurance Company and ITS Affiliated Companies
Type
Pension plan
Participants
1,072

About this data

Source: Pennsylvania National Mutual Casualty Insurance Company'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 Pennsylvania National Mutual Casualty Insurance Company.

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