Form 5500 · Employee benefit plan · FRANKLIN, TN
CHS/COMMUNITY HEALTH SYSTEMS, INC.
The filing calls this plan CHS/COMMUNITY HEALTH SYSTEMS, INC. WELFARE BENEFIT PLAN.
CHS/COMMUNITY HEALTH SYSTEMS, INC. of FRANKLIN, TN spreads its employee benefits across 6 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is GALLAGHER BENEFIT SERVICES, INC.. Coverage is written through PRUDENTIAL INSURANCE COMPANY OF AMERICA and 5 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 76-0137985 · plan 504 · plan year 2025, filed Aug 18, 2026
Get an email when this employer files a new Form 5500, and again about four months before its plan renews.
1,160 other employer plans in Tennessee have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Self-funded as reported
The filing names a third-party administrator on Schedule A and reports no medical premium.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
Dental: METROPOLITAN LIFE INSURANCE COMPANY covers 3,247 of 48,581 participants (6.7%) on Schedule A.
Also declared: prepaid legal, death benefits, other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 6 insured contracts covering health, dental, life and disability; the largest, with PRUDENTIAL INSURANCE COMPANY OF AMERICA, covers 43,942 people.
Reported premium across the insured contracts is $53,640,217, with $4,074,235 in disclosed broker commissions — about 7.6% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in February. The plan is on a split renewal cycle.
GALLAGHER BENEFIT SERVICES, INC. is the broker of record on 4 of the 6 contracts; the rest name a different broker or none.
6 carriers appear on the filing, including PRUDENTIAL INSURANCE COMPANY OF AMERICA, AMERICAN HERITAGE LIFE INSURANCE COMPANY, METROPOLITAN LIFE INSURANCE COMPANY and CARELON BEHAVIORAL HEALTH. PRUDENTIAL INSURANCE COMPANY OF AMERICA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| AMERICAN HERITAGE LIFE INSURANCE COMPANY | Health, Life | 12,535 | Jan 1, 2026 | $13,230,671 | $2,296,625 |
| PRUDENTIAL INSURANCE COMPANY OF AMERICA | Life, Disability | 43,942 | Jan 1, 2026 | $38,052,544 | $1,698,100 |
| METROPOLITAN GENERAL INSURANCE COMPANY | — | 3,300 | Jan 1, 2026 | $609,242 | $49,753 |
| METROPOLITAN LIFE INSURANCE COMPANY | Dental | 3,247 | Jan 1, 2026 | $1,080,520 | $21,964 |
| FEDERAL INSURANCE COMPANY | — | 48,560 | Mar 1, 2025 | $38,965 | $7,793 |
| CARELON BEHAVIORAL HEALTH | — | 57,005 | Jan 1, 2026 | $628,275 | $0 |
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Other plans filed by this employer
How this plan compares
Subscribers see how this compares with similar plans in Tennessee. A subscription also adds this plan's filing history and the renewal calendar for its state. See plans and prices
Without an account you can open 10 employer, broker and carrier pages a day, including through an AI assistant, and 50 a day with a free account. Paid plans are what keep these records free to read.
Renewal calendar
1,160 other employer plans in Tennessee are January 1 renewals (policy year ends December).
Their policy years end in December, like this plan’s, so most renew January 1. The calendar lists every insured group by renewal date and state, with broker of record, carrier and disclosed commission. You can preview the five largest in each month for free.
Claude & ChatGPT
Look up records from Claude or ChatGPT
Add Form5500Lookup to Claude or ChatGPT and ask about any employer, broker or carrier in plain English. Lookups are free. Renewal lists, full books of business and exports are included with a subscription.
Building a list or a tool from these records? Match a list you already have from $29 per 1,000 records, or license the whole dataset as a weekly file for $499 a month. See both
More employer plans in Tennessee — largest plans, brokers, carriers and renewal months.