Ameren Corporation
Overview
Ameren Corporation sponsors a self-funded health plan that covered 9,758 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, long-term disability, and more.
- Plan type
- ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
- Participants
- 9,758 · prior year 9,506
- Plan year
- Begins January 1 · next renewal January 2027
- Health plans filed
- Ameren Retiree Welfare Benefit Plan, plan 511 (9,758 participants); Ameren Employee Medical Plan, plan 510 (8,742 participants)
- Broker compensation
- $246K across insured contracts
Insurance carriers
Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.
| Carrier | Coverage | Covered | Premium | Broker comp |
|---|---|---|---|---|
| Prudential Insurance Company of America | Life | 9,036 | $14.4M | $243K |
| Zurich American Insurance Company | Accidental Death and Dismemberment | 5,237 | $13K | $3K |
Pharmacy benefit estimate
StreamRX estimate for a plan this size. Not based on this plan's claims.
Estimated prescription spend: 9,758 participants × $2,371 national average per member. Usually higher once dependents are counted.
Typical savings opportunity found in independent reviews of plans this size.
Form 5500 filing details
- Filing
- Form 5500 with Schedule A, plan year 2025
- Plan sponsor
- Ameren Corporation
- Sponsor EIN
- 43-1723446
- Plan numbers
- 511, 510
- Filed with
- U.S. Department of Labor (EBSA) via EFAST2
Verify this filing: search EIN 43-1723446 in the Department of Labor's EFAST2 Form 5500 search.
Retirement plan
- Plan
- Ameren Retirement Plan
- Type
- Pension plan
- Participants
- 23,752
About this data
Source: Ameren Corporation'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 Ameren Corporation.