The Christman Company

Lansing, MI ConstructionNAICS 236200

Self-funded health planPlan year 2025Renews January
802Participants+5% vs. prior year
$1.9MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#6 of 10Construction in MIBy participants

Overview

The Christman Company sponsors a self-funded health plan that covered 802 participants in plan year 2025, up 5% 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
802 · prior year 766
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
The Christman Company Group Insurance Plan, plan 501 (802 participants)
Broker compensation
$186K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disability

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Unum Life Insurance Company—806$808K$121K
Delta Dental of MichiganDental802$597K$15K
Unum Insurance Company—288$205K$38K
Metropolitian General Insurance CompanyLegal113$32K$11K
Life Advisor EAP Counseling Services—802$21K—

Pharmacy benefit estimate

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

$1.9M/ year

Estimated prescription spend: 802 participants × $2,371 national average per member. Usually higher once dependents are counted.

$49K–$122K/ year

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

Brands with a generic available$14K–$36K
Lower-cost therapeutic alternatives$21K–$44K
Generic pricing vs. actual cost$9K–$27K
PBM contract terms$5K–$14K
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 Christman Company
Sponsor EIN
38-0419740
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 38-0419740 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
The Christman Company Profit Sharing Retirement Plan
Type
401(k) plan
Participants
1,117

About this data

Source: The Christman Company'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 Christman Company.

Request a correction · Methodology