Wind River Environmental

Marlborough, MA Business servicesNAICS 562000

Self-funded health planPlan year 2025Renews January
1,277Participants+16% vs. prior year
$3.0MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#1 of 5Business services in MABy participants

Overview

Wind River Environmental sponsors a self-funded health plan that covered 1,277 participants in plan year 2025, up 16% 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
1,277 · prior year 1,097
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Wind River Environmental Health Plan, plan 501 (1,277 participants)
Broker compensation
$48K 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
Prudential Insurance Company of AmericaLife, Short-term disability, Long-term disability1,216$781K$46K
Vision Service PlanVision729$77K—
Metropolitan General Insurance CompanyLegal109$18K$2K

Pharmacy benefit estimate

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

$3.0M/ year

Estimated prescription spend: 1,277 participants × $2,371 national average per member. Usually higher once dependents are counted.

$79K–$194K/ year

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

Brands with a generic available$23K–$58K
Lower-cost therapeutic alternatives$34K–$70K
Generic pricing vs. actual cost$15K–$44K
PBM contract terms$8K–$23K
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
Wind River Environmental
Sponsor EIN
04-3487677
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 04-3487677 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Wind River Environmental 401(k) Plan
Type
401(k) plan
Participants
1,503

About this data

Source: Wind River Environmental'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 Wind River Environmental.

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