Troutman Pepper Locke LLP

Atlanta, GA Professional servicesNAICS 541110

Self-funded health planPlan year 2025Renews January
2,975Participants+38% vs. prior year
$7.1MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#3 of 28Professional services in GABy participants

Overview

Troutman Pepper Locke LLP sponsors a self-funded health plan that covered 2,975 participants in plan year 2025, up 38% 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
2,975 · prior year 2,163
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Troutman Pepper Locke LLP Wellness Program, plan 507 (2,975 participants); Troutman Pepper Locke LLP Flexible Benefits Plan Health FSA Component, plan 504 (581 participants)
Stop-loss carrier
Cigna Health and Life Insurance Company and Affiliates
Broker compensation
$989K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityOther 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 Company and AffiliatesStop-loss4,732$4.0M$316K
Metropolitan Life Insurance CompanyLife, Disability Insurance, Dental3,741$3.9M$389K
Delta Dental Insurance CompanyDental4,912$2.8M$116K
Vision Service PlanVision2,001$337K—

Pharmacy benefit estimate

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

$7.1M/ year

Estimated prescription spend: 2,975 participants × $2,371 national average per member. Usually higher once dependents are counted.

$183K–$452K/ year

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

Brands with a generic available$54K–$134K
Lower-cost therapeutic alternatives$78K–$164K
Generic pricing vs. actual cost$34K–$102K
PBM contract terms$18K–$53K
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
Troutman Pepper Locke LLP
Sponsor EIN
58-0946915
Plan numbers
507, 504
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 58-0946915 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Troutman Pepper Locke Defined Contribution Plan
Type
401(k) plan
Participants
5,558

About this data

Source: Troutman Pepper Locke LLP'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 Troutman Pepper Locke LLP.

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