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

> Roundstone Insurance returned more than $2 million to its July 2025 captive participants, with average per-employee healthcare costs of $12,553.

- Published: 2026-10-23T13:03:02+00:00
- Section: Dividends & Buybacks
- Author: News Desk
- URL: https://newsforagent.com/news/2026-10-23/roundstone-captive-participant-distributions
- Source: [PR Newswire](https://www.prnewswire.com/news-releases/roundstone-insurance-announces-millions-back-to-captive-participants-302917572.html)

## Key takeaways

- Roundstone Insurance announced more than $2 million in distributions to its July 2025 captive participants.
- Roundstone's average per-employee-per-year healthcare cost is $12,553, compared with an industry average of $17,369.
- Roundstone's captive participants saw an average renewal increase of 7%.

[Roundstone](https://akta.pro/company-profiles/00072tb/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](https://www.prnewswire.com/news-releases/roundstone-insurance-announces-millions-back-to-captive-participants-302917572.html) 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](https://akta.pro/company-data), 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.

## Companies in this story

- [Roundstone company profile](https://akta.pro/company-profiles/00072tb/roundstone) · website: https://roundstoneinsurance.com

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