Denton County Electric Coop, Inc. DBA Coserv Electric

Corinth, TX UtilitiesNAICS 221100

Self-funded health planPlan year 2025Renews January
615Participants+8% vs. prior year
$1.5MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#12 of 14Utilities in TXBy participants

Overview

Denton County Electric Coop, Inc. DBA Coserv Electric sponsors a self-funded health plan that covered 615 participants in plan year 2025, up 8% from the prior year. The plan year starts in January. Alongside medical, its benefits filing reports life insurance, dental, long-term disability, death benefits.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
615 · prior year 569
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Coserv Electric Group Health Benefit Plan, plan 501 (615 participants)
Stop-loss carrier
Blue Cross Blue Shield of Texas
Broker compensation
$418K across insured contracts
MedicalLife insuranceDentalLong-term disabilityDeath benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Blue Cross Blue Shield of TexasPPO, Stop-loss1,309$7.4M$242K
Metropolitan Life InsuranceLife, Long-term disability1,147$962K$176K
New Directions Behavioral HealthWellness and EAP Carrier570$12K—
Delta DentalDental1,239——

Pharmacy benefit estimate

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

$1.5M/ year

Estimated prescription spend: 615 participants × $2,371 national average per member. Usually higher once dependents are counted.

$38K–$93K/ year

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

Brands with a generic available$11K–$28K
Lower-cost therapeutic alternatives$16K–$34K
Generic pricing vs. actual cost$7K–$21K
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
Denton County Electric Coop, Inc. DBA Coserv Electric
Sponsor EIN
75-0233075
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 75-0233075 in the Department of Labor's EFAST2 Form 5500 search.

About this data

Source: Denton County Electric Coop, Inc. DBA Coserv Electric'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 Denton County Electric Coop, Inc. DBA Coserv Electric.

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