TLC Engineering Solutions, Inc.

Orlando, FL Professional servicesNAICS 541330

Self-funded health planPlan year 2025Renews January
538Participants+10% vs. prior year
$1.3MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#49 of 53Professional services in FLBy participants

Overview

TLC Engineering Solutions, Inc. sponsors a self-funded health plan that covered 538 participants in plan year 2025, up 10% 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
538 · prior year 491
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
TLC Engineering Solutions, Inc. Employee Health and Welfare Benefit Plan, plan 504 (538 participants)
Stop-loss carrier
Cigna Health and Life Insurance Company
Broker compensation
$105K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Cigna Health and Life Insurance CompanyMedical, Prescription drug, Dental, Stop-loss994$1.9M$42K
Standard Insurance CompanyLife, Long-term disability, Vision538$419K$41K
Metropolitan Life Insurance CompanyAccident, Hospital Indemnity, Critical Illness332$85K$19K
Metropolitan General Insurance Company (metlife Legal)Legal122$35K$4K

Pharmacy benefit estimate

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

$1.3M/ year

Estimated prescription spend: 538 participants × $2,371 national average per member. Usually higher once dependents are counted.

$33K–$82K/ year

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

Brands with a generic available$10K–$24K
Lower-cost therapeutic alternatives$14K–$30K
Generic pricing vs. actual cost$6K–$18K
PBM contract terms$3K–$10K
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
TLC Engineering Solutions, Inc.
Sponsor EIN
59-1228645
Plan number
504
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 59-1228645 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
TLC Engineering Solutions, Inc., Savings Plan
Type
401(k) plan
Participants
831

About this data

Source: TLC Engineering Solutions, 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 TLC Engineering Solutions, Inc..

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