Capital Health System

Trenton, NJ Health careNAICS 622000

Self-funded health planPlan year 2025Renews January
8,507Participants+38% vs. prior year
$20.2MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#1 of 53Health care in NJBy participants

Overview

Capital Health System sponsors a self-funded health plan that covered 8,507 participants in plan year 2025, up 38% from 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
8,507 · prior year 6,178
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Capital Health System Employee Welfare Benefit Plan, plan 510 (8,507 participants)
Broker compensation
$542K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityPrepaid legalLong-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Delta Dental of New Jersey, Inc.Dental8,360$2.9M$41K
Reliance Standard Life Insurance CompanyLife, Long-term disability, Accidental Death and Dismemberment, Short-term disability5,239$2.7M$294K
Aetna Life Insurance Co.—2,322$685K$172K
Eyemed Vision Care on Behalf of the Fidelity Security Life InsuranceVision7,615$598K$17K
MetLife Legal PlansLegal991$178K$18K
Carebridge Corp.Employee Assistance Program6,746$121K—

Pharmacy benefit estimate

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

$20.2M/ year

Estimated prescription spend: 8,507 participants × $2,371 national average per member. Usually higher once dependents are counted.

$524K–$1.3M/ year

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

Brands with a generic available$153K–$383K
Lower-cost therapeutic alternatives$224K–$468K
Generic pricing vs. actual cost$97K–$290K
PBM contract terms$50K–$151K
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
Capital Health System
Sponsor EIN
22-3548695
Plan number
510
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 22-3548695 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Capital Health Retirement Savings & Investment Plan
Type
Defined contribution plan
Participants
8,231

About this data

Source: Capital Health System'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 Capital Health System.

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