CNB Bank
Overview
CNB Bank sponsors a self-funded health plan that covered 884 participants in plan year 2025, up 20% 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
- 884 · prior year 734
- Plan year
- Begins January 1 · next renewal January 2027
- Health plans filed
- CNB Bank Employee Health Protection Plan, plan 501 (884 participants)
- Stop-loss carrier
- HM Life Ins. Co.
- Broker compensation
- $199K across insured contracts
Insurance carriers
Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.
| Carrier | Coverage | Covered | Premium | Broker comp |
|---|---|---|---|---|
| HM Life Ins. Co. | Stop-loss | 736 | $1.3M | $129K |
| The Lincoln National Life Insurance Company | Hospital Indemnity, Vision, Accident, Critical Illness, Dental, Life, Long-term disability | 884 | $721K | $50K |
| Provident Life and Accident Insurance Company | Long-term disability | 123 | $67K | $11K |
| Provident Life & Accident in Co. | Long-term disability | 46 | $37K | $2K |
| Unum Life Insurance Company of America | Group Long Term Care | 157 | $32K | $3K |
| Provident Life and Casualty Insurance Company | Long-term disability | 38 | $24K | $3K |
| Healthequity Inc. | Flexible Spending Account | 172 | $7K | — |
| The Hartford/hartford Life and Accident | Business Travel Accident | 950 | — | — |
Pharmacy benefit estimate
StreamRX estimate for a plan this size. Not based on this plan's claims.
Estimated prescription spend: 884 participants × $2,371 national average per member. Usually higher once dependents are counted.
Typical savings opportunity found in independent reviews of plans this size.
Form 5500 filing details
- Filing
- Form 5500 with Schedule A, plan year 2025
- Plan sponsor
- CNB Bank
- Sponsor EIN
- 25-0422340
- Plan number
- 501
- Filed with
- U.S. Department of Labor (EBSA) via EFAST2
Verify this filing: search EIN 25-0422340 in the Department of Labor's EFAST2 Form 5500 search.
Retirement plan
- Plan
- CNB Bank Employees' Savings & Profit Sharing Plan and Trust
- Type
- 401(k) plan
- Participants
- 1,232
About this data
Source: CNB Bank'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 CNB Bank.