Ram Partners, LLC

Atlanta, GA Real estateNAICS 531110

Self-funded health planPlan year 2025Renews January
1,909Participants+72% vs. prior year
$4.5MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#4 of 12Real estate in GABy participants

Overview

Ram Partners, LLC sponsors a self-funded health plan that covered 1,909 participants in plan year 2025, up 72% 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
1,909 · prior year 1,107
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Ram Partners, LLC Welfare Benefit Plan, plan 502 (1,909 participants)
Stop-loss carrier
Blue Coss Blue Shield Healthcare Plan of Georgia, Inc.
Broker compensation
$174K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Blue Coss Blue Shield Healthcare Plan of Georgia, Inc.Medical, Dental, Vision, Stop-loss4,546$2.5M$75K
Unum Life Insurance Company of AmericaLife, Short-term disability, Long-term disability1,954$1.1M$98K

Pharmacy benefit estimate

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

$4.5M/ year

Estimated prescription spend: 1,909 participants × $2,371 national average per member. Usually higher once dependents are counted.

$118K–$290K/ year

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

Brands with a generic available$34K–$86K
Lower-cost therapeutic alternatives$50K–$105K
Generic pricing vs. actual cost$22K–$65K
PBM contract terms$11K–$34K
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
Ram Partners, LLC
Sponsor EIN
58-2658504
Plan number
502
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 58-2658504 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Ram Partners, LLC 401(k) Retirement Savings Plan
Type
401(k) plan
Participants
2,405

About this data

Source: Ram Partners, LLC'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 Ram Partners, LLC.

Request a correction · Methodology