Saginaw Chippewa Indian Tribe of MI

Mt. Pleasant, MI GovernmentNAICS 921000

Self-funded health planPlan year 2025Renews January
2,163Participants-4% vs. prior year
$5.1MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#1 of 1Government in MIBy participants

Overview

Saginaw Chippewa Indian Tribe of MI sponsors a self-funded health plan that covered 2,163 participants in plan year 2025, down 4% 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
2,163 · prior year 2,245
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Saginaw Chippewa Indian Tribe of Michigan Benefit Plan, plan 501 (2,163 participants)
Broker compensation
$263K 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
Symetra Life Insurance CompanyLife, Short-term disability, Long-term disability432$1.7M$263K

Pharmacy benefit estimate

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

$5.1M/ year

Estimated prescription spend: 2,163 participants × $2,371 national average per member. Usually higher once dependents are counted.

$133K–$329K/ year

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

Brands with a generic available$39K–$97K
Lower-cost therapeutic alternatives$57K–$119K
Generic pricing vs. actual cost$25K–$74K
PBM contract terms$13K–$38K
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
Saginaw Chippewa Indian Tribe of MI
Sponsor EIN
38-6178758
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 38-6178758 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Saginaw Chippewa Indian Tribe of Michigan 401(k) Profit Sharing Plan
Type
401(k) plan
Participants
5,537

About this data

Source: Saginaw Chippewa Indian Tribe of MI'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 Saginaw Chippewa Indian Tribe of MI.

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