Table Mountain Rancheria Band of Indians

Friant, CA GovernmentNAICS 921000

Self-funded health planPlan year 2025Renews January
1,007Participants+1% vs. prior year
$2.4MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#2 of 2Government in CABy participants

Overview

Table Mountain Rancheria Band of Indians sponsors a self-funded health plan that covered 1,007 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.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
1,007 · prior year 996
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Table Mountain Rancheria Welfare Benefit Plan, plan 501 (1,007 participants)
Stop-loss carrier
Symetra Life Insurance Company
Broker compensation
$364K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Symetra Life Insurance CompanyStop-loss981$1.7M$197K
Metropolitan Life Insurance CompanyAD&D, Life1,235$717K$117K
Unum Life Insurance Company of AmericaFlex STD340$228K$8K
Metropoliatan Life Insurance CompanyLife1,235$148K$24K
Provident Life and Accident Insurance CompanyAccident, Crit Illness, Iswl Stnd, Term 491$138K$17K

Pharmacy benefit estimate

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

$2.4M/ year

Estimated prescription spend: 1,007 participants × $2,371 national average per member. Usually higher once dependents are counted.

$62K–$153K/ year

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

Brands with a generic available$18K–$45K
Lower-cost therapeutic alternatives$27K–$55K
Generic pricing vs. actual cost$11K–$34K
PBM contract terms$6K–$18K
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
Table Mountain Rancheria Band of Indians
Sponsor EIN
77-0212451
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 77-0212451 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Table Mountain Rancheria 401(k) Plan
Type
401(k) plan
Participants
1,449

About this data

Source: Table Mountain Rancheria Band of Indians'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 Table Mountain Rancheria Band of Indians.

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