Cold Spring Brewing Company

Cold Spring, MN ManufacturingNAICS 312120

Self-funded health planPlan year 2025Renews January
582Participants-6% vs. prior year
$1.4MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#71 of 78Manufacturing in MNBy participants

Overview

Cold Spring Brewing Company sponsors a self-funded health plan that covered 582 participants in plan year 2025, down 6% from the prior year. The plan year starts in January. Alongside medical, its benefits filing reports life insurance, short-term disability, long-term disability, death benefits.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
582 · prior year 619
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Cold Spring Brewing Company Welfare Benefit Plan, plan 506 (582 participants)
Broker compensation
$45K across insured contracts
MedicalLife insuranceShort-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
Hartford Life and AccidentLife, Short-term disability, Long-term disability582$247K$45K

Pharmacy benefit estimate

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

$1.4M/ year

Estimated prescription spend: 582 participants × $2,371 national average per member. Usually higher once dependents are counted.

$36K–$88K/ year

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

Brands with a generic available$10K–$26K
Lower-cost therapeutic alternatives$15K–$32K
Generic pricing vs. actual cost$7K–$20K
PBM contract terms$3K–$10K
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
Cold Spring Brewing Company
Sponsor EIN
84-1391118
Plan number
506
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 84-1391118 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Cold Spring Brewing Company 401(k) Plan
Type
401(k) plan
Participants
767

About this data

Source: Cold Spring Brewing 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 Cold Spring Brewing Company.

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