Toll Bros., Inc.

Fort Washington, PA ConstructionNAICS 236110

Self-funded health planPlan year 2025Renews January
4,504Participants+2% vs. prior year
$10.7MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#1 of 16Construction in PABy participants

Overview

Toll Bros., Inc. sponsors a self-funded health plan that covered 4,504 participants in plan year 2025, about the same as 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
4,504 · prior year 4,437
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Toll Brothers, Inc. Health and Welfare Benefit Plan, plan 503 (4,504 participants)
Stop-loss carrier
Berkshire Hathaway Specialty Company
Broker compensation
$420K 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
Reliance Standard Life Insurance CompanyLife, Short-term disability, Long-term disability, Accidental Death and Dismemberment4,513$3.3M$394K
Berkshire Hathaway Specialty CompanyStop-loss3,908$2.8M—
Anthem Health Plans of Virginia, Inc.Dental, Medical, Prescription drug, Vision, PPO43$734K$14K
Vision Service PlanVision3,267$502K—
Aetna Life Insurance CompanyDental1,717$286K$12K

Pharmacy benefit estimate

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

$10.7M/ year

Estimated prescription spend: 4,504 participants × $2,371 national average per member. Usually higher once dependents are counted.

$278K–$685K/ year

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

Brands with a generic available$81K–$203K
Lower-cost therapeutic alternatives$119K–$248K
Generic pricing vs. actual cost$51K–$154K
PBM contract terms$27K–$80K
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
Toll Bros., Inc.
Sponsor EIN
23-2417123
Plan number
503
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 23-2417123 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Toll Brothers 401k Savings Plan
Type
401(k) plan
Participants
6,862

About this data

Source: Toll Bros., 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 Toll Bros., Inc..

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