Saint Louis University

St. Louis, MO EducationNAICS 611000

Self-funded health planPlan year 2025Renews January
2,730Participants+1% vs. prior year
$6.5MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#2 of 8Education in MOBy participants

Overview

Saint Louis University sponsors a self-funded health plan that covered 2,730 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, prepaid legal, and more.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
2,730 · prior year 2,697
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
The Saint Louis University Welfare Benefit Plan, plan 518 (2,730 participants)
Broker compensation
$172K across insured contracts
MedicalLife insuranceDentalVisionPrepaid legalLong-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Delta Dental of MissouriDental3,761$1.2M$7K
Hartford Life and AccidentLife, Long-term disability2,954$1.2M$123K
Vision Service PlanVision1,615$203K—
Reliastar Life Insurance CompanyAccident825$146K$27K
MetLife Legal PlansLegal342$75K$9K
National Union Fire Ins. Co. of Pittsburgh, PABusiness Travel Accident2,529$40K$6K

Pharmacy benefit estimate

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

$6.5M/ year

Estimated prescription spend: 2,730 participants × $2,371 national average per member. Usually higher once dependents are counted.

$168K–$415K/ year

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

Brands with a generic available$49K–$123K
Lower-cost therapeutic alternatives$72K–$150K
Generic pricing vs. actual cost$31K–$93K
PBM contract terms$16K–$49K
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
Saint Louis University
Sponsor EIN
43-0654872
Plan number
518
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 43-0654872 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Saint Louis University 403(b) Annuity Plan
Type
Defined contribution plan
Participants
8,574

About this data

Source: Saint Louis University'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 Saint Louis University.

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