Pultegroup, Inc.

Atlanta, GA ConstructionNAICS 236110

Self-funded health planPlan year 2025Renews January
6,962Participants+12% vs. prior year
$16.5MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#1 of 23Construction in GABy participants

Overview

Pultegroup, Inc. sponsors a self-funded health plan that covered 6,962 participants in plan year 2025, up 12% 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
6,962 · prior year 6,197
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Pultegroup, Inc. Employee Options Plan, plan 509 (6,962 participants)
Broker compensation
$904K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Unum Life Insurance Company of AmericaLife, Short-term disability, Long-term disability6,674$6.3M$594K
Vision Service PlanVision4,508$1.2M$54K
Unum Insurance CompanyGRP Accident, Attained Age Critical Illness, Hosiptal EE Paid1,170$884K$232K
Berkshire Life Insurance Company of AmericaLong-term disability71$123K$24K
Hartford Fire Insurance CompanyBusiness Travel Accident6,723$8K—

Pharmacy benefit estimate

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

$16.5M/ year

Estimated prescription spend: 6,962 participants × $2,371 national average per member. Usually higher once dependents are counted.

$429K–$1.1M/ year

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

Brands with a generic available$125K–$314K
Lower-cost therapeutic alternatives$183K–$383K
Generic pricing vs. actual cost$79K–$238K
PBM contract terms$41K–$124K
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
Pultegroup, Inc.
Sponsor EIN
38-2766606
Plan number
509
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 38-2766606 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Pultegroup, Inc. 401(k) Plan
Type
401(k) plan
Participants
11,424

About this data

Source: Pultegroup, Inc.'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 Pultegroup, Inc..

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