Commonwealth Health Corporation

Bowling Green, KY Health careNAICS 622000

Self-funded health planPlan year 2025Renews January
4,529Participants+3% vs. prior year
$10.7MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#9 of 33Health care in KYBy participants

Overview

Commonwealth Health Corporation sponsors a self-funded health plan that covered 4,529 participants in plan year 2025, up 3% 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
4,529 · prior year 4,378
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Commonwealth Health Corporation Welfare Benefit Plan, plan 510 (4,529 participants)
Broker compensation
$922K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Reliance Standard Life Insurance CompanyShort-term disability, Voluntary Hospital, Life, Voluntary AD&D, Voluntary Accident Insurance, Voluntary Critical Illness, Long-term disability3,425$5.2M$725K
Health Resources Inc.Dental3,507$1.9M$65K
The Dental Concern, Inc.Vision2,785$444K$26K
The Guardian Life Insurance Company of AmericaCancer543$299K$92K
Janus Associates, Inc. DBA BHSEAP4,280$81K—
Pre-Paid Legal Services Inc. DBA LegalshieldLegal Services Plan Memberships658$75K$13K

Pharmacy benefit estimate

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

$10.7M/ year

Estimated prescription spend: 4,529 participants × $2,371 national average per member. Usually higher once dependents are counted.

$279K–$688K/ year

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

Brands with a generic available$82K–$204K
Lower-cost therapeutic alternatives$119K–$249K
Generic pricing vs. actual cost$52K–$155K
PBM contract terms$27K–$81K
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
Commonwealth Health Corporation
Sponsor EIN
31-1118087
Plan number
510
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 31-1118087 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
MED Center Health Retirement Savings Plan
Type
Defined contribution plan
Participants
5,179

About this data

Source: Commonwealth Health Corporation'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 Commonwealth Health Corporation.

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