Sun Country Inc.

Minneapolis, MN Transportation & logisticsNAICS 481000

Self-funded health planPlan year 2025Renews JanuaryCollectively bargained
2,339Participants+6% vs. prior year
$5.5MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#2 of 7Transportation & logistics in MNBy participants

Overview

Sun Country Inc. sponsors a self-funded health plan that covered 2,339 participants in plan year 2025, up 6% from the prior year. The plan year starts in January. Alongside medical, its benefits filing reports life insurance, dental, vision, long-term disability, and more.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
2,339 · prior year 2,209
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Sun Country Inc. Comprehensive Welfare Benefits Plan, plan 625 (2,339 participants)
Broker compensation
$103K across insured contracts
MedicalLife insuranceDentalVisionLong-term disabilityDeath 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 disability2,282$3.0M$83K
Fidelity Security Life Insurance CompanyVision2,719$205K$20K

Pharmacy benefit estimate

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

$5.5M/ year

Estimated prescription spend: 2,339 participants × $2,371 national average per member. Usually higher once dependents are counted.

$144K–$355K/ year

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

Brands with a generic available$42K–$105K
Lower-cost therapeutic alternatives$62K–$129K
Generic pricing vs. actual cost$27K–$80K
PBM contract terms$14K–$42K
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
Sun Country Inc.
Sponsor EIN
35-2159124
Plan number
625
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 35-2159124 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Sun Country, Inc. 401(k) Profit Sharing Plan
Type
401(k) plan
Participants
3,689

About this data

Source: Sun Country 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 Sun Country Inc..

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