VSC Fire & Security, Inc.
Overview
VSC Fire & Security, Inc. sponsors a self-funded health plan that covered 2,839 participants in plan year 2025, up 44% 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
- 2,839 · prior year 1,979
- Plan year
- Begins January 1 · next renewal January 2027
- Health plans filed
- VSC Fire & Security Medical Plan, plan 501 (2,839 participants)
- Stop-loss carrier
- Sun Life Assurance Company of Canada
- Broker compensation
- $1.0M 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 |
|---|---|---|---|---|
| Sun Life Assurance Company of Canada | Stop-loss | 1,623 | $2.2M | $224K |
| Lincoln National Life Insurance Company | Life, Short-term disability, Long-term disability | 2,272 | $2.2M | $571K |
| 5star Life Insurance Company | Life | 822 | $310K | $123K |
| Delta Vision Plan of Arkansas | Vision | 2,631 | $295K | $54K |
| Manhattanlife Assurance Co. of America | Short-term disability | 897 | $191K | $46K |
Pharmacy benefit estimate
StreamRX estimate for a plan this size. Not based on this plan's claims.
Estimated prescription spend: 2,839 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
- VSC Fire & Security, Inc.
- Sponsor EIN
- 54-1543122
- Plan number
- 501
- Filed with
- U.S. Department of Labor (EBSA) via EFAST2
Verify this filing: search EIN 54-1543122 in the Department of Labor's EFAST2 Form 5500 search.
Retirement plan
- Plan
- VSC Fire & Security 401(k) Savings Plan
- Type
- 401(k) plan
- Participants
- 2,635
About this data
Source: VSC Fire & Security, 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 VSC Fire & Security, Inc..