First Commonwealth Financial Corporation
Overview
First Commonwealth Financial Corporation sponsors a self-funded health plan that covered 1,575 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
- 1,575 · prior year 1,533
- Plan year
- Begins January 1 · next renewal January 2027
- Health plans filed
- First Commonwealth Financial Corporation Welfare Benefit Plan, plan 501 (1,575 participants)
- Broker compensation
- $387K 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 |
|---|---|---|---|---|
| The Lincoln National Life Insurance Company | Critical Illness, Dental, Life, Long-term disability, Short-term disability, Accident | 1,604 | $2.0M | $361K |
| Vision Benefits of America | Vision | 1,012 | $127K | $19K |
| Colonial Life & Accident Insurance Company | Short-term disability | 81 | $39K | $6K |
Pharmacy benefit estimate
StreamRX estimate for a plan this size. Not based on this plan's claims.
Estimated prescription spend: 1,575 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
- First Commonwealth Financial Corporation
- Sponsor EIN
- 25-1428528
- Plan number
- 501
- Filed with
- U.S. Department of Labor (EBSA) via EFAST2
Verify this filing: search EIN 25-1428528 in the Department of Labor's EFAST2 Form 5500 search.
Retirement plan
- Plan
- First Commonwealth Financial Corporation 401(k) Retirement Savings and Investment Plan
- Type
- 401(k) plan
- Participants
- 2,195
About this data
Source: First Commonwealth Financial 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 First Commonwealth Financial Corporation.