Xpress Global Systems, LLC

Chattanooga, TN Transportation & logisticsNAICS 484120

Self-funded health planPlan year 2025Renews January
723Participants+8% vs. prior year
$1.7MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#11 of 15Transportation & logistics in TNBy participants

Overview

Xpress Global Systems, LLC sponsors a self-funded health plan that covered 723 participants in plan year 2025, up 8% 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
723 · prior year 669
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Xpress Global Systems, LLC Employee Benefits Plan, plan 501 (723 participants)
Stop-loss carrier
UnitedHealthcare Insurance Company
Broker compensation
$30K 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
UnitedHealthcare Insurance CompanyMedical, Dental, Vision, Stop-loss377$1.1M$15K
Symetra Life Insurance CompanyLife, Short-term disability, Long-term disability815$310K$13K
Reliastar Life Insurance CompanyAccident, Critical Illness, Hospital394$111K$2K

Pharmacy benefit estimate

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

$1.7M/ year

Estimated prescription spend: 723 participants × $2,371 national average per member. Usually higher once dependents are counted.

$45K–$110K/ year

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

Brands with a generic available$13K–$33K
Lower-cost therapeutic alternatives$19K–$40K
Generic pricing vs. actual cost$8K–$25K
PBM contract terms$4K–$13K
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
Xpress Global Systems, LLC
Sponsor EIN
62-1261869
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 62-1261869 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
XGS, LLC 401(k) Plan
Type
401(k) plan
Participants
1,127

About this data

Source: Xpress Global Systems, LLC'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 Xpress Global Systems, LLC.

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