The Guardian Life Insurance Company of America
Overview
The Guardian Life Insurance Company of America sponsors a self-funded health plan that covered 1,441 participants in plan year 2025, about the same as 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
- 1,441 · prior year 1,443
- Plan year
- Begins January 1 · next renewal January 2027
- Health plans filed
- The Guardian Life Insurance Company of America Health and Welfare Benefits Plan for Retired Employees, plan 537 (1,441 participants); The Guardian Life Insurance Company of America Health and Welfare Benefits Plan for Retired Field Representatives, plan 538 (593 participants); Edgeworth Monitoring, LLC Employee Benefit Plan, plan 501 (160 participants)
- Broker compensation
- $35K 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 |
|---|---|---|---|---|
| The Guardian Life Insurance Company of America | Life, Dental, Vision, Short-term disability, Long-term disability, Critical Illness, Medical, Hospital Indemnity | 5,213 | $10.1M | $35K |
| Vision Service Plan | Vision | 2,477 | $704K | — |
| Hawaii Medical Service Association | Medical | 42 | $485K | — |
| Metropolitan Life Insurance Company | Vision | 3,538 | $348K | — |
Pharmacy benefit estimate
StreamRX estimate for a plan this size. Not based on this plan's claims.
Estimated prescription spend: 1,441 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
- The Guardian Life Insurance Company of America
- Sponsor EIN
- 13-5123390
- Plan numbers
- 537, 538, 501
- Filed with
- U.S. Department of Labor (EBSA) via EFAST2
Verify this filing: search EIN 13-5123390 in the Department of Labor's EFAST2 Form 5500 search.
Retirement plan
- Plan
- The Guardian Home Office Employees' Retirement PLA
- Type
- Pension plan
- Participants
- 7,536
About this data
Source: The Guardian Life Insurance Company of America'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 Guardian Life Insurance Company of America.