Roundstone Insurance Distributes Over $2 Million to July 2025 Captive Participants

Roundstone Insurance announced more than $2 million in distributions back to its July 2025 captive participants, the company said on October 23, 2026. The Rocky River, Ohio-based company said the distribution reflects its group captive model. PR Newswire carried the announcement.

Roundstone's Distribution to July 2025 Captive Participants

Roundstone Insurance was founded in 2005 to give small and mid-sized businesses a way to fund employee healthcare benefits, and it annually covers more than $1.5 billion in health insurance claims for the 1,000+ employers that self-fund through its group medical captive.

Founder and President Michael Schroeder said, "Roundstone is focused on providing affordable, high-quality healthcare for all and we are proud to announce a distribution to our captive participants." Schroeder added that returning savings where they belong is a key part of the company's effort.

According to a recent Mercer study cited in the announcement, the industry average for per-employee-per-year healthcare costs is $17,369. Roundstone's average per-employee-per-year cost is $12,553, a savings of nearly $5,000 per employee. Roundstone's captive participants also experienced an average renewal increase of 7%.

The company said those results come from its approach to self-funded healthcare, which combines data transparency, proactive cost containment strategies and customized plan design.

Roundstone's Captive Scale and Partner Network

According to akta.pro company records, Roundstone has returned $60 million to employers in the last five years, with total returned since inception at $91.8 million. The same records list more than 1,000 employers working with Roundstone for captive health insurance and $1.5 billion in health insurance claims covered over 20+ years.

The records also list TrueRx, a transparent pharmacy benefit manager partner in Roundstone's preferred bundle, SHARx, a prescription drug sourcing solution for high-cost specialty medications, and Rightway Healthcare, a digital wellness and telehealth platform partner. Roundstone launched the Bywater third-party administrator as a wholly-owned in-house TPA subsidiary to capture claims processing, plan administration and member services revenue.

Roundstone's Next Steps

Roundstone's announcement did not state a date for any further distribution or renewal decision.