Sims-Lohman, Inc.

Cincinnati, OH ConstructionNAICS 236110

Self-funded health planPlan year 2025Renews January
690Participants+0% vs. prior year
$1.6MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#16 of 21Construction in OHBy participants

Overview

Sims-Lohman, Inc. sponsors a self-funded health plan that covered 690 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, short-term disability, long-term disability.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
690 · prior year 688
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Sims-Lohman, Inc. Employee Benefit Plan, plan 501 (690 participants)
Stop-loss carrier
Tokio Marine
Broker compensation
$68K across insured contracts
MedicalLife insuranceDentalShort-term disabilityLong-term disability

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Tokio MarineStop-loss403$1.3M—
Life Insurance Company of North AmericaLife, Long-term disability, Short-term disability, Voluntary Products677$384K$37K
Delta DentalDental735$199K$23K
CignaAccidental Injury, Hospital Care677$48K$4K
EyemedVision665$40K$4K

Pharmacy benefit estimate

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

$1.6M/ year

Estimated prescription spend: 690 participants × $2,371 national average per member. Usually higher once dependents are counted.

$43K–$105K/ year

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

Brands with a generic available$12K–$31K
Lower-cost therapeutic alternatives$18K–$38K
Generic pricing vs. actual cost$8K–$24K
PBM contract terms$4K–$12K
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
Sims-Lohman, Inc.
Sponsor EIN
31-0856545
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 31-0856545 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Sims-Lohman, Inc. 401(k) Plan
Type
401(k) plan
Participants
970

About this data

Source: Sims-Lohman, 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 Sims-Lohman, Inc..

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