Tuff Shed, Inc.

Denver, CO ManufacturingNAICS 321900

Self-funded health planPlan year 2025Renews April
1,611Participants+2% vs. prior year
$3.8MEst. pharmacy spend / yrParticipants × national avg.
Apr 2027Next renewalPlan year begins April 1
#9 of 23Manufacturing in COBy participants

Overview

Tuff Shed, Inc. sponsors a self-funded health plan that covered 1,611 participants in plan year 2025, up 2% from the prior year. The plan year starts in April. Alongside medical, its benefits filing reports life insurance, dental, vision, long-term disability, and more.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
1,611 · prior year 1,576
Plan year
Begins April 1 · next renewal April 2027
Health plans filed
Tuff Shed, Inc. Employee Benefit Plan, plan 502 (1,611 participants)
Broker compensation
$21K across insured contracts
MedicalLife insuranceDentalVisionLong-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Hartford Life and AccidentLife, Long-term disability1,567$700K$21K
UnitedHealthcare Insurance CompanyVision2,067$91K—
United Behavioral Health DBA OptumEmployee Assistance Program1,693$57K—

Pharmacy benefit estimate

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

$3.8M/ year

Estimated prescription spend: 1,611 participants × $2,371 national average per member. Usually higher once dependents are counted.

$99K–$245K/ year

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

Brands with a generic available$29K–$73K
Lower-cost therapeutic alternatives$42K–$89K
Generic pricing vs. actual cost$18K–$55K
PBM contract terms$10K–$29K
The DOL's PBM fee disclosure rule first applies to this plan for the plan year beginning April 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
Tuff Shed, Inc.
Sponsor EIN
84-1108665
Plan number
502
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 84-1108665 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Tuff Shed, Inc. Employee Stock Ownership Plan
Type
Defined contribution plan
Participants
1,941

About this data

Source: Tuff Shed, 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 Tuff Shed, Inc..

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