President and Fellows of Middlebury College
Overview
President and Fellows of Middlebury College sponsors a self-funded health plan that covered 1,426 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
- 1,426 · prior year 1,426
- Plan year
- Begins January 1 · next renewal January 2027
- Health plans filed
- Middlebury College Health and Welfare Benefits Plan, plan 501 (1,426 participants)
- Stop-loss carrier
- Cigna Health and Life Insurance Company
- Broker compensation
- $311K across insured contracts
Insurance carriers
Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.
| Carrier | Coverage | Covered | Premium | Broker comp |
|---|---|---|---|---|
| Cigna Health and Life Insurance Company | MBA, Stop-loss | 2,490 | $3.0M | $207K |
| Unum Life Insurance | Life, Long-term disability, Gciee Grpaccvoen, DBL | 1,335 | $987K | $73K |
| Vision Service Plan | Vision | 1,141 | $276K | $5K |
| Unum Insurance Company | GRP Accident, Critical Illness | 252 | $161K | $24K |
| Provident Life and Accident Insurance Company | Whole Life | 64 | $18K | $1K |
Pharmacy benefit estimate
StreamRX estimate for a plan this size. Not based on this plan's claims.
Estimated prescription spend: 1,426 participants × $2,371 national average per member. Usually higher once dependents are counted.
Typical savings opportunity found in independent reviews of plans this size.
Form 5500 filing details
- Filing
- Form 5500 with Schedule A, plan year 2025
- Plan sponsor
- President and Fellows of Middlebury College
- Sponsor EIN
- 03-0179298
- Plan number
- 501
- Filed with
- U.S. Department of Labor (EBSA) via EFAST2
Verify this filing: search EIN 03-0179298 in the Department of Labor's EFAST2 Form 5500 search.
Retirement plan
- Plan
- The Middlebury College Core Retirement Plan
- Type
- Defined contribution plan
- Participants
- 3,097
About this data
Source: President and Fellows of Middlebury College'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 President and Fellows of Middlebury College.