Topbuild Corp.

Daytona Beach, FL ConstructionNAICS 238300

Self-funded health planPlan year 2025Renews January
12,703Participants+3% vs. prior year
$30.1MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#2 of 31Construction in FLBy participants

Overview

Topbuild Corp. sponsors a self-funded health plan that covered 12,703 participants in plan year 2025, up 3% 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
12,703 · prior year 12,339
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Employee Benefit Plan of Topbuild Corp., plan 501 (12,703 participants)
Broker compensation
$1.8M 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
The Lincoln National Life Insurance CompanyLife, Long-term disability, Short-term disability10,810$7.6M$1.2M
Delta Dental Insurance CompanyDental5,236$4.4M$220K
Relistar Life Insurance CompanyVoluntary Accident, Voluntary Critical I1,544$1.1M$291K
Eyemed Vision CareVision5,626$467K$28K
Arag Insurance CompanyLegal1,633$311K$31K
The Guardian Life Insurance Company of AmericaShort-term disability205$63K$4K
Hartford Fire Insurance CompanyBusiness Travel Accident10,810$26K—

Pharmacy benefit estimate

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

$30.1M/ year

Estimated prescription spend: 12,703 participants × $2,371 national average per member. Usually higher once dependents are counted.

$783K–$1.9M/ year

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

Brands with a generic available$229K–$572K
Lower-cost therapeutic alternatives$334K–$699K
Generic pricing vs. actual cost$145K–$434K
PBM contract terms$75K–$226K
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
Topbuild Corp.
Sponsor EIN
47-3096382
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 47-3096382 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Topbuild Corp. 401(k) Plan
Type
401(k) plan
Participants
19,534

About this data

Source: Topbuild Corp.'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 Topbuild Corp..

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