The Centers for Advanced Orthopaedics

Bethesda, MD Health careNAICS 621111

Self-funded health planPlan year 2025Renews January
1,680Participants+6% vs. prior year
$4.0MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#17 of 32Health care in MDBy participants

Overview

The Centers for Advanced Orthopaedics sponsors a self-funded health plan that covered 1,680 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, short-term disability, and more.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
1,680 · prior year 1,580
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
The Centers for Advanced Orthopaedics Welfare Benefit Plan, plan 501 (1,680 participants)
Broker compensation
$385K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityPrepaid legalLong-term disabilityOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Transamerica Life Insurance CompanyLife, Long-term disability, Short-term disability747$1.6M$334K
Cigna Health & Life Insurance Company and AffiliatesDental, Vision994$597K$45K
Legal ResourcesLegal194$51K$4K

Pharmacy benefit estimate

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

$4.0M/ year

Estimated prescription spend: 1,680 participants × $2,371 national average per member. Usually higher once dependents are counted.

$104K–$255K/ year

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

Brands with a generic available$30K–$76K
Lower-cost therapeutic alternatives$44K–$92K
Generic pricing vs. actual cost$19K–$57K
PBM contract terms$10K–$30K
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 Centers for Advanced Orthopaedics
Sponsor EIN
45-4852156
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 45-4852156 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Centers for Advanced Orthopaedics, LLC 401(k) Profit Sharing Plan
Type
401(k) plan
Participants
2,989

About this data

Source: The Centers for Advanced Orthopaedics'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 Centers for Advanced Orthopaedics.

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