Tram, Inc.
Overview
Tram, Inc. sponsors a self-funded health plan that covered 1,386 participants in plan year 2025, down 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
- 1,386 · prior year 1,453
- Plan year
- Begins January 1 · next renewal January 2027
- Health plans filed
- Tram, Inc. Group Medical Plan, plan 501 (1,386 participants)
Insurance carriers
Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.
| Carrier | Coverage | Covered | Premium | Broker comp |
|---|---|---|---|---|
| Principal Life Insurance Company | Life, Long-term disability | 1,608 | $416K | — |
| Hartford Life and Accident | Life, Long-term disability | 1,300 | $232K | — |
| Lucet EAP (formerly Known as New Directions) | Employee Assistance Program | 950 | $16K | — |
| Zurich American Insurance Company | Business Travel Accident | 1,320 | $15K | — |
| Bronson Battle Creek DBA Helpnet EAP | Employee Assistance Program | 482 | $11K | — |
Pharmacy benefit estimate
StreamRX estimate for a plan this size. Not based on this plan's claims.
Estimated prescription spend: 1,386 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
- Tram, Inc.
- Sponsor EIN
- 38-2674223
- Plan number
- 501
- Filed with
- U.S. Department of Labor (EBSA) via EFAST2
Verify this filing: search EIN 38-2674223 in the Department of Labor's EFAST2 Form 5500 search.
Retirement plan
- Plan
- Tram, Inc. 401(k) Retirement Plan
- Type
- 401(k) plan
- Participants
- 1,733
About this data
Source: Tram, 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 Tram, Inc..