Edward Rose Building Enterprise, L.l.c DBA Edward Rose & Sons

Bloomfield Hills, MI Real estateNAICS 531310

Self-funded health planPlan year 2025Renews January
2,490Participants0% vs. prior year
$5.9MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#1 of 4Real estate in MIBy participants

Overview

Edward Rose Building Enterprise, L.l.c DBA Edward Rose & Sons sponsors a self-funded health plan that covered 2,490 participants in plan year 2025, about the same as 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
2,490 · prior year 2,490
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Edward Rose Building Enterprise Flexible Benefit Plan, plan 502 (2,490 participants)
Broker compensation
$361K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.

CarrierCoverageCoveredPremiumBroker comp
Lincoln National Life Insurance CompanyLife, Short-term disability, Long-term disability2,301$1.1M$220K
Delta Dental of MichiganDental2,356$873K$89K
The Lincoln National Life Insurance CompanyAccident, Critical Illness686$186K$52K
Eyemed Vision Care on Behalf of Fidelity Security Life Insurance Co.Vision2,112$135K—
Curalinc HealthcareEmployee Assistance Program2,485$40K—

Pharmacy benefit estimate

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

$5.9M/ year

Estimated prescription spend: 2,490 participants × $2,371 national average per member. Usually higher once dependents are counted.

$153K–$378K/ year

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

Brands with a generic available$45K–$112K
Lower-cost therapeutic alternatives$66K–$137K
Generic pricing vs. actual cost$28K–$85K
PBM contract terms$15K–$44K
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
Edward Rose Building Enterprise, L.l.c DBA Edward Rose & Sons
Sponsor EIN
84-3810548
Plan number
502
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 84-3810548 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Edward Rose Building Enterprise 401(k) Plan
Type
401(k) plan
Participants
3,159

About this data

Source: Edward Rose Building Enterprise, L.l.c DBA Edward Rose & Sons'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 Edward Rose Building Enterprise, L.l.c DBA Edward Rose & Sons.

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