City Holding Company

Cross Lanes, WV Holding companiesNAICS 551111

Self-funded health planPlan year 2025Renews January
983Participants0% vs. prior year
$2.3MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#1 of 1Holding companies in WVBy participants

Overview

City Holding Company sponsors a self-funded health plan that covered 983 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, long-term disability.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
983 · prior year 983
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
City Holding Company Health and Welfare Plan, plan 501 (983 participants)
Stop-loss carrier
HM Insurance Group
Broker compensation
$88K across insured contracts
MedicalLife insuranceDentalVisionLong-term disabilityOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Metropolitan Life Insurance CompanyLife, Short-term disability, Long-term disability, Medical1,439$690K$88K
HM Insurance GroupStop-loss695$555K—

Pharmacy benefit estimate

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

$2.3M/ year

Estimated prescription spend: 983 participants × $2,371 national average per member. Usually higher once dependents are counted.

$61K–$149K/ year

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

Brands with a generic available$18K–$44K
Lower-cost therapeutic alternatives$26K–$54K
Generic pricing vs. actual cost$11K–$34K
PBM contract terms$6K–$17K
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
City Holding Company
Sponsor EIN
55-0619957
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 55-0619957 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
City Holding Company 401(k) Plan and Trust
Type
401(k) plan
Participants
1,186

About this data

Source: City Holding Company'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 City Holding Company.

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