Aurora Cooperative Elevator Co.

Aurora, NE AgricultureNAICS 115110

Self-funded health planPlan year 2025Renews January
592Participants+1% vs. prior year
$1.4MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#3 of 4Agriculture in NEBy participants

Overview

Aurora Cooperative Elevator Co. sponsors a self-funded health plan that covered 592 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, long-term disability.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
592 · prior year 589
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Aurora Cooperative Elevator Company Health and Welfare Plan, plan 510 (592 participants)
Broker compensation
$93K across insured contracts
MedicalLife insuranceDentalVisionLong-term disabilityOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Principal Life Insurance CompanyDental, PPO, Life, Long-term disability1,593$677K$73K
Vision Service PlanVision424$96K$10K
American Heritage Life Insurance CompanyCancer Coverage101$64K$11K

Pharmacy benefit estimate

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

$1.4M/ year

Estimated prescription spend: 592 participants × $2,371 national average per member. Usually higher once dependents are counted.

$36K–$90K/ year

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

Brands with a generic available$11K–$27K
Lower-cost therapeutic alternatives$16K–$33K
Generic pricing vs. actual cost$7K–$20K
PBM contract terms$4K–$11K
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
Aurora Cooperative Elevator Co.
Sponsor EIN
47-0095730
Plan number
510
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 47-0095730 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Aurora Co-Op Elevator Company Salary Savings Plan
Type
401(k) plan
Participants
849

About this data

Source: Aurora Cooperative Elevator Co.'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 Aurora Cooperative Elevator Co..

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