The Center for Discovery, Inc.

Harris, NY Health careNAICS 624100

Self-funded health planPlan year 2025Renews January
1,472Participants+9% vs. prior year
$3.5MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#52 of 137Health care in NYBy participants

Overview

The Center for Discovery, Inc. sponsors a self-funded health plan that covered 1,472 participants in plan year 2025, up 9% 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
1,472 · prior year 1,351
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Sdtc Welfare Plan, plan 501 (1,472 participants)
Broker compensation
$71K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Lincoln Life & Annuity Company of New YorkLong-term disability, Life1,484$378K$11K
AflacShort-term disability306$357K$60K

Pharmacy benefit estimate

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

$3.5M/ year

Estimated prescription spend: 1,472 participants × $2,371 national average per member. Usually higher once dependents are counted.

$91K–$224K/ year

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

Brands with a generic available$27K–$66K
Lower-cost therapeutic alternatives$39K–$81K
Generic pricing vs. actual cost$17K–$50K
PBM contract terms$9K–$26K
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
The Center for Discovery, Inc.
Sponsor EIN
14-1395426
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 14-1395426 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
The Center for Discovery Retirement Plan
Type
401(k) plan
Participants
2,040

About this data

Source: The Center for Discovery, 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 The Center for Discovery, Inc..

Request a correction · Methodology