ZRS Management, LLC

Orlando, FL Real estateNAICS 531390

Self-funded health planPlan year 2024Renews June
2,065ParticipantsFirst year on file
$4.9MEst. pharmacy spend / yrParticipants × national avg.
Jun 2027Next renewalPlan year begins June 1
#6 of 10Real estate in FLBy participants

Overview

ZRS Management, LLC sponsors a self-funded health plan that covered 2,065 participants in plan year 2024. The plan year starts in June. 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
2,065
Plan year
Begins June 1 · next renewal June 2027
Health plans filed
ZRS Management, LLC, Flexible Benefits Plan, plan 501 (2,065 participants)
Broker compensation
$231K 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
Ameritas Life Insurance Corp.Dental, Vision3,282$1.2M$161K
The Lincoln National Life Insurance CompanyLife, Short-term disability, Long-term disability1,922$705K$70K

Pharmacy benefit estimate

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

$4.9M/ year

Estimated prescription spend: 2,065 participants × $2,371 national average per member. Usually higher once dependents are counted.

$127K–$314K/ year

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

Brands with a generic available$37K–$93K
Lower-cost therapeutic alternatives$54K–$114K
Generic pricing vs. actual cost$24K–$71K
PBM contract terms$12K–$37K
The DOL's PBM fee disclosure rule first applies to this plan for the plan year beginning June 2028: semiannual PBM compensation reports and an annual audit right.

Form 5500 filing details

Filing
Form 5500 with Schedule A, plan year 2024
Plan sponsor
ZRS Management, LLC
Sponsor EIN
27-2754743
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 27-2754743 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
ZRS Management, LLC 401(k) Profit Sharing Plan
Type
401(k) plan
Participants
2,616

About this data

Source: ZRS Management, LLC's Form 5500 filing for plan year 2024 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 ZRS Management, LLC.

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