Subcom LLC

Eatontown, NJ ConstructionNAICS 237100

Self-funded health planPlan year 2025Renews January
1,540Participants+1% vs. prior year
$3.7MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#4 of 8Construction in NJBy participants

Overview

Subcom LLC sponsors a self-funded health plan that covered 1,540 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, short-term disability, and more.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
1,540 · prior year 1,530
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Subcom LLC Health and Welfare Plan, plan 501 (1,540 participants)
Broker compensation
$223K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilitySeveranceDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Life Insurance Company of North AmericaLife, Long-term disability, FML, VOL Life, Short-term disability1,540$1.4M$195K
Delta Dental of New JerseyDental1,267$1.2M$5K
Vision Service PlanVision1,139$221K$22K

Pharmacy benefit estimate

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

$3.7M/ year

Estimated prescription spend: 1,540 participants × $2,371 national average per member. Usually higher once dependents are counted.

$95K–$234K/ year

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

Brands with a generic available$28K–$69K
Lower-cost therapeutic alternatives$41K–$85K
Generic pricing vs. actual cost$18K–$53K
PBM contract terms$9K–$27K
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
Subcom LLC
Sponsor EIN
22-3138465
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 22-3138465 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Subcom Savings Plan
Type
401(k) plan
Participants
1,855

About this data

Source: Subcom 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 Subcom LLC.

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