Tokio Marine North America, Inc.

Jersey City, NJ Finance & insuranceNAICS 524150

Self-funded health planPlan year 2025Renews January
3,190Participants+5% vs. prior year
$7.6MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#6 of 19Finance & insurance in NJBy participants

Overview

Tokio Marine North America, Inc. sponsors a self-funded health plan that covered 3,190 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
3,190 · prior year 3,051
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Tokio Marine North America, Inc. Welfare Benefit Plan, plan 520 (3,190 participants)
Stop-loss carrier
Wellpoint Stop Loss
Broker compensation
$219K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityPrepaid legalLong-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Sun Life Assurance Company of CanadaLife, Short-term disability, Long-term disability4,223$2.9M$77K
Wellpoint Stop LossStop-loss2,703$2.0M$96K
Aetna Life Insurance CompanyMedical, Prescription drug, PPO81$457K—
Eyemed Vision CareVision2,640$304K$18K
Legal Club of America Corp.Legal644$105K$28K
Reliance Standard Life Insurance CompanySpecial Risk3,401——

Pharmacy benefit estimate

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

$7.6M/ year

Estimated prescription spend: 3,190 participants × $2,371 national average per member. Usually higher once dependents are counted.

$197K–$485K/ year

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

Brands with a generic available$57K–$144K
Lower-cost therapeutic alternatives$84K–$175K
Generic pricing vs. actual cost$36K–$109K
PBM contract terms$19K–$57K
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
Tokio Marine North America, Inc.
Sponsor EIN
45-2682016
Plan number
520
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 45-2682016 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Tmna, Inc. 401(k) Plan
Type
401(k) plan
Participants
4,373

About this data

Source: Tokio Marine North America, 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 Tokio Marine North America, Inc..

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