Terros Inc.
Overview
Terros Inc. sponsors a self-funded health plan that covered 1,239 participants in plan year 2025, up 48% from 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
- 1,239 · prior year 840
- Plan year
- Begins January 1 · next renewal January 2027
- Health plans filed
- Terros, Inc. Employee Benefits Plan, plan 501 (1,239 participants)
- Broker compensation
- $79K across insured contracts
Insurance carriers
Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.
| Carrier | Coverage | Covered | Premium | Broker comp |
|---|---|---|---|---|
| Unum Life Insurance Company of America | Life, Short-term disability, Long-term disability | 1,196 | $590K | $24K |
| Ameritas Life Insurance Corporation | Dental, Vision | 1,581 | $555K | $4K |
| Symetra Life Insurance Company | Accident, Critical Illness, Hospital | 449 | $152K | $46K |
| Metropolitan Life Insurance Company | Vision | 1,423 | $98K | $106 |
| Metropolitan General Insurance Company | Legal | 141 | $28K | $4K |
| Employers Dental Services | Dental | 287 | $25K | — |
| Curalinc, LLC, D.b.a Curalinc Healthcare | Employee Assistance Program | 1,265 | $19K | — |
Pharmacy benefit estimate
StreamRX estimate for a plan this size. Not based on this plan's claims.
Estimated prescription spend: 1,239 participants × $2,371 national average per member. Usually higher once dependents are counted.
Typical savings opportunity found in independent reviews of plans this size.
Form 5500 filing details
- Filing
- Form 5500 with Schedule A, plan year 2025
- Plan sponsor
- Terros Inc.
- Sponsor EIN
- 86-0252067
- Plan number
- 501
- Filed with
- U.S. Department of Labor (EBSA) via EFAST2
Verify this filing: search EIN 86-0252067 in the Department of Labor's EFAST2 Form 5500 search.
Retirement plan
- Plan
- Terros 401(k) Plan
- Type
- 401(k) plan
- Participants
- 1,528
About this data
Source: Terros 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 Terros Inc..