Five Rivers Cattle Feeding, LLC

Johnstown, CO AgricultureNAICS 112112

Self-funded health planPlan year 2025Renews January
548Participants-11% vs. prior year
$1.3MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#2 of 2Agriculture in COBy participants

Overview

Five Rivers Cattle Feeding, LLC sponsors a self-funded health plan that covered 548 participants in plan year 2025, down 12% from 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
548 · prior year 619
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Five Rivers Cattle Feeding, LLC Employee Group Health Plan, plan 502 (548 participants)
Broker compensation
$21K 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
Sun Life Assurance Company of CanadaLife, Long-term disability548$297K$21K
Delta Dental of ColoradoDental1,021$265K—
Vision Service PlanVision390$59K—
National Union Fire Insurance Company of Pittsburgh, PABusiness Travel Accident548——

Pharmacy benefit estimate

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

$1.3M/ year

Estimated prescription spend: 548 participants × $2,371 national average per member. Usually higher once dependents are counted.

$34K–$83K/ year

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

Brands with a generic available$10K–$25K
Lower-cost therapeutic alternatives$14K–$30K
Generic pricing vs. actual cost$6K–$19K
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
Five Rivers Cattle Feeding, LLC
Sponsor EIN
26-0111691
Plan number
502
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 26-0111691 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Five Rivers Cattle Feeding, LLC 401(k) Plan
Type
401(k) plan
Participants
623

About this data

Source: Five Rivers Cattle Feeding, LLC'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 Five Rivers Cattle Feeding, LLC.

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