Nations Roof, LLC

Coral Springs, FL ConstructionNAICS 238100

Self-funded health planPlan year 2024Renews November
1,012ParticipantsFirst year on file
$2.4MEst. pharmacy spend / yrParticipants × national avg.
Nov 2027Next renewalPlan year begins November 1
#15 of 31Construction in FLBy participants

Overview

Nations Roof, LLC sponsors a self-funded health plan that covered 1,012 participants in plan year 2024. The plan year starts in November. 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
1,012
Plan year
Begins November 1 · next renewal November 2027
Health plans filed
Nations Roof, LLC Welfare Benefit Plan, plan 501 (1,012 participants)
Broker compensation
$133K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityDeath benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Starmount Life Insurance CompanyDental, Vision603$340K$54K
Unum Life Insurance Company of AmericaLife, Short-term disability1,012$214K$40K
Unum Insurance CompanyHospital, Critical Illness, Accident228$122K$39K

Pharmacy benefit estimate

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

$2.4M/ year

Estimated prescription spend: 1,012 participants × $2,371 national average per member. Usually higher once dependents are counted.

$62K–$154K/ year

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

Brands with a generic available$18K–$46K
Lower-cost therapeutic alternatives$27K–$56K
Generic pricing vs. actual cost$12K–$35K
PBM contract terms$6K–$18K
The DOL's PBM fee disclosure rule first applies to this plan for the plan year beginning November 2027: semiannual PBM compensation reports and an annual audit right.

Form 5500 filing details

Filing
Form 5500 with Schedule A, plan year 2024
Plan sponsor
Nations Roof, LLC
Sponsor EIN
75-3161782
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 75-3161782 in the Department of Labor's EFAST2 Form 5500 search.

About this data

Source: Nations Roof, 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 Nations Roof, LLC.

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