J.f. Ahern Co.

Fond Du LAC, WI ConstructionNAICS 238220

Self-funded health planPlan year 2025Renews January
780Participants+14% vs. prior year
$1.8MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#7 of 10Construction in WIBy participants

Overview

J.f. Ahern Co. sponsors a self-funded health plan that covered 780 participants in plan year 2025, up 14% 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
780 · prior year 685
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
J.f. Ahern Co. Health and Welfare Benefits Plan, plan 501 (780 participants)
Broker compensation
$139K across insured contracts
MedicalLife insuranceDentalVisionLong-term disabilityDeath benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Standard Insurance CompanyLife, Long-term disability769$511K$133K
Wyssta Insurance Company Inc.Vision507$75K$6K

Pharmacy benefit estimate

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

$1.8M/ year

Estimated prescription spend: 780 participants × $2,371 national average per member. Usually higher once dependents are counted.

$48K–$119K/ year

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

Brands with a generic available$14K–$35K
Lower-cost therapeutic alternatives$21K–$43K
Generic pricing vs. actual cost$9K–$27K
PBM contract terms$5K–$14K
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
J.f. Ahern Co.
Sponsor EIN
39-0123200
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 39-0123200 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
J.f. Ahern Co. Profit Sharing and 401(k) Plan
Type
401(k) plan
Participants
980

About this data

Source: J.f. Ahern 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 J.f. Ahern Co..

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