Pepper Construction Company

Barrington, IL ConstructionNAICS 236200

Self-funded health planPlan year 2025Renews January
798Participants+26% vs. prior year
$1.9MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#8 of 9Construction in ILBy participants

Overview

Pepper Construction Company sponsors a self-funded health plan that covered 798 participants in plan year 2025, up 26% from the prior year. The plan year starts in January. Alongside medical, its benefits filing reports life insurance, dental, vision, long-term disability, and more.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
798 · prior year 635
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Pepper Construction Company Employee Benefits Plan, plan 501 (798 participants)
Broker compensation
$116K across insured contracts
MedicalLife insuranceDentalVisionLong-term disabilityDeath benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
The Lincoln National Life Insurance CompanyLife, Long-term disability688$873K$110K
Eyemed Vision Care on Behalf of Fidelity Security Life Insurance Co.Vision1,173$50K$6K

Pharmacy benefit estimate

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

$1.9M/ year

Estimated prescription spend: 798 participants × $2,371 national average per member. Usually higher once dependents are counted.

$49K–$121K/ year

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

Brands with a generic available$14K–$36K
Lower-cost therapeutic alternatives$21K–$44K
Generic pricing vs. actual cost$9K–$27K
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
Pepper Construction Company
Sponsor EIN
36-1614680
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 36-1614680 in the Department of Labor's EFAST2 Form 5500 search.

About this data

Source: Pepper Construction 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 Pepper Construction Company.

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