Form 5500 · Employee benefit plan · NASHVILLE, TN
HCA INC.
The filing calls this plan HCA INC. HEALTH AND WELFARE BENEFITS PLAN.
HCA INC. of NASHVILLE, TN files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is MARSH & MCLENNAN AGENCY LLC. Coverage is written through HARTFORD LIFE AND ACCIDENT and 26 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 75-2497104 · plan 550 · plan year 2025, filed Aug 26, 2026
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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
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
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
Health: the largest of the 6 insured health contracts, with AETNA HEALTH, INC., covers 4,615 of 310,904 participants (1.5%) on Schedule A.
Dental: the largest of the 20 insured dental contracts, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 10,010 of 310,904 participants (3.2%) on Schedule A.
Also declared: prepaid legal, severance, 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 34 insured contracts covering health, dental, vision, life, disability and stop-loss; the largest, with HARTFORD LIFE AND ACCIDENT, covers 217,594 people.
The filing lists a stop-loss contract. On its own that does not settle whether the plan pays its own claims.
Reported premium across the insured contracts is $212,878,886, with $1,670,734 in disclosed broker commissions — about 0.8% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
MARSH & MCLENNAN AGENCY LLC is the broker of record on 2 of the 34 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNITEDHEALTHCARE INSURANCE COMPANY | Health | 47,307 | Jan 1, 2026 | $18,791,194 | $518,331 |
| HARTFORD LIFE AND ACCIDENT | Life, Disability | 217,594 | Jan 1, 2026 | $93,028,154 | $493,461 |
| SUN LIFE ASSURANCE COMPANY OF CANADA | Stop-loss | 193,821 | Jan 1, 2026 | $18,583,433 | $463,021 |
| METROPOLITAN LIFE INSURANCE COMPANY | — | 829 | Jan 1, 2026 | $1,045,818 | $52,162 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental | 10,010 | Jan 1, 2026 | $4,009,293 | $40,093 |
| HUMANADENTAL INSURANCE COMPANY | Health, Dental | 10,048 | Jan 1, 2026 | $1,684,060 | $16,857 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health | 33 | Jan 1, 2026 | $205,813 | $15,436 |
| CIGNA DENTAL HEALTH OF FLORIDA, INC. | Dental | 2,139 | Jan 1, 2026 | $1,288,443 | $12,884 |
| CIGNA DENTAL HEALTH OF TEXAS, INC. | Dental | 2,103 | Jan 1, 2026 | $1,284,184 | $12,842 |
| DELTA DENTAL OF TENNESSEE | Dental | 2,174 | Jan 1, 2026 | $1,247,049 | $11,393 |
| DELTA DENTAL OF TENNESSEE | Dental | 2,528 | Jan 1, 2026 | $732,950 | $7,310 |
| DELTA DENTAL OF TENNESSEE | Dental | 1,885 | Jan 1, 2026 | $644,257 | $6,386 |
| UNITEDHEALTHCARE INSURANCE COMPANY | — | 340 | Jan 1, 2026 | $187,025 | $5,611 |
| CIGNA DENTAL HEALTH OF COLORADO, INC. | Dental | 874 | Jan 1, 2026 | $490,817 | $4,908 |
| CIGNA HEALTHCARE OF CALIFORNIA | Dental | 567 | Jan 1, 2026 | $362,975 | $3,630 |
| CIGNA DENTAL HEALTH OF VIRGINIA, INC. | Dental | 438 | Jan 1, 2026 | $250,609 | $2,506 |
| CIGNA DENTAL HEALTH OF MISSOURI, INC. | Dental | 335 | Jan 1, 2026 | $206,054 | $2,061 |
| CIGNA DENTAL HEALTH OF KANSAS, INC. | Dental | 166 | Jan 1, 2026 | $106,366 | $1,064 |
| TRANSAMERICA LIFE INSURANCE COMPANY | Life | 2,346 | Jan 1, 2026 | $1,316,196 | $581 |
| CIGNA DENTAL HEALTH OF KENTUCKY, INC. | Dental | 22 | Jan 1, 2026 | $11,930 | $119 |
| CIGNA DENTAL HEALTH OF MARYLAND, INC. | Dental | 8 | Jan 1, 2026 | $4,995 | $50 |
| CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | Dental | 4 | Jan 1, 2026 | $1,062 | $11 |
| CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | Dental | 3 | Jan 1, 2026 | $715 | $7 |
| CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | Dental | 1 | Jan 1, 2026 | $427 | $4 |
| CIGNA DENTAL HEALTH OF OHIO, INC. | Dental | 2 | Jan 1, 2026 | $345 | $3 |
| CIGNA HEALTHCARE OF CONNECTICUT, INC. | Dental | 1 | Jan 1, 2026 | $342 | $3 |
| AETNA HEALTH, INC. | Health | 4,615 | Jan 1, 2026 | $31,159,117 | $0 |
| EYEMED VISION CARE | Vision | 293,927 | Jan 1, 2026 | $17,264,146 | $0 |
| UNITED BEHAVIORAL HEALTH DBA OPTUM | Health | 312,494 | Jan 1, 2026 | $8,643,041 | $0 |
| HARTFORD LIFE AND ACCIDENT | — | 216,618 | Jan 1, 2026 | $5,273,253 | $0 |
| HARTFORD LIFE AND ACCIDENT | Disability | 6,301 | Jan 1, 2026 | $3,137,450 | $0 |
| LEGAL ACCESS SERVICES GROUP, LLC | — | 24,336 | Jan 1, 2026 | $1,917,345 | $0 |
| CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | Dental | 1 | Jan 1, 2026 | $28 | $0 |
| EYEMED VISION CARE | Vision | 1,112 | Jan 1, 2026 | — | $0 |
Premium and claims on these contracts
HUMANADENTAL INSURANCE COMPANY, contract 789550. For the contract year on this filing, the carrier reported $1,684,060 in premium earned and $658,202 in claims incurred. Dividing one by the other gives 39%.
DELTA DENTAL OF TENNESSEE, contract 3892. For the contract year on this filing, the carrier reported $1,247,049 in premium earned and $1,175,891 in claims incurred. Dividing one by the other gives 94%.
DELTA DENTAL OF TENNESSEE, contract 1739. For the contract year on this filing, the carrier reported $732,950 in premium earned and $679,484 in claims incurred. Dividing one by the other gives 93%.
DELTA DENTAL OF TENNESSEE, contract 2612. For the contract year on this filing, the carrier reported $644,257 in premium earned and $563,226 in claims incurred. Dividing one by the other gives 87%.
- HUMANADENTAL INSURANCE COMPANY, contract 789550 reported $16,857 in retention.
- DELTA DENTAL OF TENNESSEE, contract 3892 reported $152,140 in retention.
- DELTA DENTAL OF TENNESSEE, contract 1739 reported $89,420 in retention.
- DELTA DENTAL OF TENNESSEE, contract 2612 reported $78,599 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
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.
Reported to OSHA
Reported to OSHA for 2025: 1,583 employees, 153 recordable cases, 437 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
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