Inalfa Roof Systems, Inc.

Auburn Hills, MI RetailNAICS 441300

Self-funded health planPlan year 2025Renews JanuaryCollectively bargained
757Participants-20% vs. prior year
$1.8MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#11 of 13Retail in MIBy participants

Overview

Inalfa Roof Systems, Inc. sponsors a self-funded health plan that covered 757 participants in plan year 2025, down 20% 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
757 · prior year 947
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Inalfa Roof Systems, Inc. Welfare Plan, plan 501 (757 participants)
Broker compensation
$52K 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
Life Insurance Company of North AmericaAccidental Death & Dismemberment, Life, Short-term disability, Long-term disability626$646K$30K
Delta Dental of MichiganDental997$318K$6K
Cigna Health and Life Insurance CompanyAccident, Critical Illness47$33K$11K
Metropolitan Life Insurance CompanyVision598$28K$4K

Pharmacy benefit estimate

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

$1.8M/ year

Estimated prescription spend: 757 participants × $2,371 national average per member. Usually higher once dependents are counted.

$47K–$115K/ year

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

Brands with a generic available$14K–$34K
Lower-cost therapeutic alternatives$20K–$42K
Generic pricing vs. actual cost$9K–$26K
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
Inalfa Roof Systems, Inc.
Sponsor EIN
38-2558870
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 38-2558870 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Inalfa Roof Systems, Inc. Union 401(k) Plan
Type
401(k) plan
Participants
689

About this data

Source: Inalfa Roof Systems, Inc.'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 Inalfa Roof Systems, Inc..

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