Just the perspective of one out-of-towner: "elite" status isn't determined by the people around you on the team, but without that supporting cast, nobody is ever gonna find out if you're elite or not. For me, the true barometer of an elite QB is when he can steal a game for you here and there. When you've got the ball with 1:35 left, 5 down, and you're still optimistic about a TD drive coming together. When he can be counted upon to take a lick if it means waiting until the last possible moment, then delivering the pass. When he's got the instinct to dodge a few blitzers, then decide if the field is open enough for a run...and if not, to throw it away.
This all, of course, depends on who he's got around him. Brady & Manning gained their notoriety in systems that were loaded with talent and athleticism, and the players around them afforded them the luxury of fairly straightforward playing. Snap, drop, checkdown, and if nobody's open within 3-4 seconds, throw it away and we'll try something else on the next down. If the QB is talented and disciplined, it helps them not get sacked, which leads to more confidence. These guys had fast, big targets like Moss, Harrisson, and Wayne backed up by talented, sure-handed guys like Welker and Clark for years.
On the other hand, you've got Flacco & Roethlisberger...both big, athletic guys with a good head for the game and great improvisational skill. Both came up in systems that, during their formative seasons, put them behind a patchwork quilt of an O-line that required them to be agile, to make things up on the fly, to shake a tackle here and there, and to be able to take a sack or five over the course of a Sunday afternoon. In the absence of a decent, stable O-line, both of these guys depended on their receivers, backs, and TEs to bail them out of bad situations. Look at the rapport between Reothlisberger and Hines Ward, and how many times the veteran receiver would break off his route to come back to Ben when he was flushed out of the pocket.
Ultimately, the definition of "elite" is different for everyone, but overall, if you're judging by rings primarily, backed up by overall play, Wilson, imho, is on the cusp. He's got what it takes to be recognized as an elite, and the frustrations and mistakes will either work their way out in time, or inform his play style (Roethlisberger still hangs on to the ball for an agonizingly long time, but it's become part of his style, and more often than not, now, with maturity, it pays off for him). Nobody is widely recognized as "elite" in their first 3-4 seasons. If you're instead looking at it as "does he have what it takes to be elite?" then I think the answer is a resounding yes. From the games I've seen, he's got a good grasp of game management, and how to either maintain the current momentum if it's favorable, or change it if it's not. He has that sixth sense of anticipating pressure, but he needs to get better at translating it to decision-making.
I think right now, his greatest aids on the team are Lynch and the defense, but the O-line could develop a bit more for him, and he could definitely use some more/better targets...but mostly just time and development.