Wisconsin Evangelical Lutheran Synod

Waukesha, WI Other servicesNAICS 813000

Self-funded health planPlan year 2025Renews January
3,699Participants+0% vs. prior year
$8.8MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#1 of 8Other services in WIBy participants

Overview

Wisconsin Evangelical Lutheran Synod sponsors a self-funded health plan that covered 3,699 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, short-term disability, and more.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
3,699 · prior year 3,696
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Wisconsin Evangelical Lutheran Synod Veba Group He, plan 501 (3,699 participants)
Stop-loss carrier
Blue Cross Blue Shield of Wisconsin
Broker compensation
$17K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disability

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Delta Dental of WisconsinDental, PPO2,060$2.3M$7K
Blue Cross Blue Shield of WisconsinPPO, Stop-loss3,608$1.2M—
Sun Life Assurance Company of CanadaLife, Long-term disability3,905$1.1M$11K

Pharmacy benefit estimate

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

$8.8M/ year

Estimated prescription spend: 3,699 participants × $2,371 national average per member. Usually higher once dependents are counted.

$228K–$562K/ year

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

Brands with a generic available$67K–$167K
Lower-cost therapeutic alternatives$97K–$203K
Generic pricing vs. actual cost$42K–$126K
PBM contract terms$22K–$66K
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
Wisconsin Evangelical Lutheran Synod
Sponsor EIN
39-1522925
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 39-1522925 in the Department of Labor's EFAST2 Form 5500 search.

About this data

Source: Wisconsin Evangelical Lutheran Synod'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 Wisconsin Evangelical Lutheran Synod.

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