Tecta America

Rosemont, IL ConstructionNAICS 238100

Self-funded health planPlan year 2025Renews July
11,800Participants0% vs. prior year
$28.0MEst. pharmacy spend / yrParticipants × national avg.
Jul 2027Next renewalPlan year begins July 1
#1 of 9Construction in ILBy participants

Overview

Tecta America sponsors a self-funded health plan that covered 11,800 participants in plan year 2025, about the same as the prior year. The plan year starts in July. 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
11,800 · prior year 11,800
Plan year
Begins July 1 · next renewal July 2027
Health plans filed
Tecta America Welfare Benefit Plan, plan 501 (11,800 participants)
Broker compensation
$195K 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
Life Insurance Company of North AmericaLife, Short-term disability, Long-term disability4,500$1.5M$79K
The Guardian Life Insurance Company of AmericaDental1,699$1.3M$88K
Aetna Life Insurance CompanyDental, Vision561$179K$18K
Vision Service PlanVision1,485$148K—
MetLife Legal PlansLegal209$52K$5K
ComPsych CorporationEmployee Assistance Program4,500$50K—
Delta Dental of WisconsinDental37$41K$3K
Usable LifeLife105$10K$2K

Pharmacy benefit estimate

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

$28.0M/ year

Estimated prescription spend: 11,800 participants × $2,371 national average per member. Usually higher once dependents are counted.

$727K–$1.8M/ year

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

Brands with a generic available$213K–$532K
Lower-cost therapeutic alternatives$311K–$649K
Generic pricing vs. actual cost$134K–$403K
PBM contract terms$70K–$210K
The DOL's PBM fee disclosure rule first applies to this plan for the plan year beginning July 2027: semiannual PBM compensation reports and an annual audit right.

Form 5500 filing details

Filing
Form 5500 with Schedule A, plan year 2025
Plan sponsor
Tecta America
Sponsor EIN
84-1505685
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 84-1505685 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Tecta America Corp. Profit Sharing and 401(k) Plan
Type
401(k) plan
Participants
4,710

About this data

Source: Tecta America'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 Tecta America.

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