Clayton Homes, Inc.

Maryville, TN Holding companiesNAICS 551112

Self-funded health planPlan year 2025Renews January
22,053Participants+0% vs. prior year
$52.3MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#3 of 8Holding companies in TNBy participants

Overview

Clayton Homes, Inc. sponsors a self-funded health plan that covered 22,053 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, short-term disability, and more.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
22,053 · prior year 21,974
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Clayton Homes, Inc. Health and Welfare Plan, plan 555 (22,053 participants)
Broker compensation
$2.2M across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Prudential Insurance Company of AmericaLife, Long-term disability21,973$13.6M$701K
Reliastar Life Insurance CompanyCritical Illness, Accident & Hospital Co17,057$5.4M$1.4M
Metropolitan Life Insurance CompanyVision32,486$1.7M$87K

Pharmacy benefit estimate

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

$52.3M/ year

Estimated prescription spend: 22,053 participants × $2,371 national average per member. Usually higher once dependents are counted.

$1.4M–$3.4M/ year

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

Brands with a generic available$397K–$993K
Lower-cost therapeutic alternatives$580K–$1.2M
Generic pricing vs. actual cost$251K–$753K
PBM contract terms$131K–$392K
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
Clayton Homes, Inc.
Sponsor EIN
62-1671360
Plan number
555
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 62-1671360 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Clayton Homes, Inc. 401(k) Retirement Plan
Type
401(k) plan
Participants
30,229

About this data

Source: Clayton Homes, Inc.'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 Clayton Homes, Inc..

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