The Cigna Group

Philadelphia, PA Finance & insuranceNAICS 524290

Self-funded health planPlan year 2025Renews January
58,113Participants-2% vs. prior year
$137.8MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#2 of 34Finance & insurance in PABy participants

Overview

The Cigna Group sponsors a self-funded health plan that covered 58,113 participants in plan year 2025, down 2% 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
58,113 · prior year 59,451
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Cigna Health, Std/ltd, and Certain Voluntary Benefits Plan, plan 520 (58,113 participants)
Broker compensation
$1.4M across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityPrepaid legalLong-term disabilitySeveranceDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Securian Life Insurance CompanyLife, Business Travel & Accident Insurance61,526$27.3M$626K
Metropolitan Life Insurance CompanyShort-term disability, Long-term disability68,999$17.5M$642K
Cigna Health and Life Insurance CompanyHospital Care, Accidental Injury, Voluntary Critical Illness50,264$11.7M—
Cigna Health and Life Insurance Company and Affiliates (cigna)Dental, Vision, HMO17,906$3.8M—
Arag Insurance CompanyLegal13,468$1.4M$143K

Pharmacy benefit estimate

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

$137.8M/ year

Estimated prescription spend: 58,113 participants × $2,371 national average per member. Usually higher once dependents are counted.

$3.6M–$8.8M/ year

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

Brands with a generic available$1.0M–$2.6M
Lower-cost therapeutic alternatives$1.5M–$3.2M
Generic pricing vs. actual cost$661K–$2.0M
PBM contract terms$344K–$1.0M
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 Cigna Group
Sponsor EIN
82-4991898
Plan number
520
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 82-4991898 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
The Cigna Group 401(k) Plan
Type
401(k) plan
Participants
91,385

About this data

Source: The Cigna Group'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 Cigna Group.

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