S & B Engineers and Constructors, Ltd.

Houston, TX ConstructionNAICS 237990

Self-funded health planPlan year 2025Renews January
4,417Participants+10% vs. prior year
$10.5MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#2 of 57Construction in TXBy participants

Overview

S & B Engineers and Constructors, Ltd. sponsors a self-funded health plan that covered 4,417 participants in plan year 2025, up 10% 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
4,417 · prior year 4,021
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
S & B Engineers and Constructors, Ltd Health and Welfare Plan, plan 505 (4,417 participants)
Broker compensation
$149K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityDeath benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Bluecross Blueshield of TexasDental4,195$1.9M$40K
Unum Life Insurance Company of AmericaLife, Long-term disability2,420$1.6M$31K
Unum Insurance CompanyCritical Illness, Hospital446$509K$79K
Vision Service PlanVision1,654$353K—

Pharmacy benefit estimate

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

$10.5M/ year

Estimated prescription spend: 4,417 participants × $2,371 national average per member. Usually higher once dependents are counted.

$272K–$671K/ year

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

Brands with a generic available$80K–$199K
Lower-cost therapeutic alternatives$116K–$243K
Generic pricing vs. actual cost$50K–$151K
PBM contract terms$26K–$79K
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
S & B Engineers and Constructors, Ltd.
Sponsor EIN
32-0625534
Plan number
505
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 32-0625534 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
S & B Engineers and Constructors, Ltd. Retirement Savings Plan
Type
401(k) plan
Participants
6,134

About this data

Source: S & B Engineers and Constructors, Ltd.'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 S & B Engineers and Constructors, Ltd..

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