Walbridge Aldinger Company

Detroit, MI ConstructionNAICS 236200

Self-funded health planPlan year 2025Renews January
989Participants+1% vs. prior year
$2.3MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#4 of 10Construction in MIBy participants

Overview

Walbridge Aldinger Company sponsors a self-funded health plan that covered 989 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
989 · prior year 979
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Walbridge/dig/dfm Welfare Benefit Plan, plan 504 (989 participants)
Stop-loss carrier
Blue Cross Blue Shield of Michigan
Broker compensation
$200K 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
Blue Cross Blue Shield of MichiganMedical, Prescription drug, Vision, Stop-loss989$1.3M$59K
United of OmahaLife, Short-term disability, Long-term disability1,297$1.1M$115K
Delta Dental Plan of MichiganDental, PPO2,194$756K$25K

Pharmacy benefit estimate

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

$2.3M/ year

Estimated prescription spend: 989 participants × $2,371 national average per member. Usually higher once dependents are counted.

$61K–$150K/ year

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

Brands with a generic available$18K–$45K
Lower-cost therapeutic alternatives$26K–$54K
Generic pricing vs. actual cost$11K–$34K
PBM contract terms$6K–$18K
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
Walbridge Aldinger Company
Sponsor EIN
38-1141440
Plan number
504
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 38-1141440 in the Department of Labor's EFAST2 Form 5500 search.

About this data

Source: Walbridge Aldinger Company'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 Walbridge Aldinger Company.

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