Roskam Baking Company

Grand Rapids, MI ManufacturingNAICS 311800

Self-funded health planPlan year 2025Renews January
1,544Participants-20% vs. prior year
$3.7MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#60 of 138Manufacturing in MIBy participants

Overview

Roskam Baking Company sponsors a self-funded health plan that covered 1,544 participants in plan year 2025, down 21% 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
1,544 · prior year 1,942
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Roskam Baking Company Health and Welfare Benefit Plan, plan 501 (1,544 participants)
Broker compensation
$103K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityPrepaid legalLong-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
United of Omaha Life Insurance CompanyLife, Long-term disability2,038$536K$103K
Metropolitan General Insurance CompanyLegal81$26K$544

Pharmacy benefit estimate

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

$3.7M/ year

Estimated prescription spend: 1,544 participants × $2,371 national average per member. Usually higher once dependents are counted.

$95K–$235K/ year

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

Brands with a generic available$28K–$70K
Lower-cost therapeutic alternatives$41K–$85K
Generic pricing vs. actual cost$18K–$53K
PBM contract terms$9K–$27K
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
Roskam Baking Company
Sponsor EIN
38-1341912
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 38-1341912 in the Department of Labor's EFAST2 Form 5500 search.

About this data

Source: Roskam Baking Company'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 Roskam Baking Company.

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