NCH Healthcare System, Inc.

Naples, FL Health careNAICS 622000

Self-funded health planPlan year 2025Renews January
2,914Participants+2% vs. prior year
$6.9MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#18 of 89Health care in FLBy participants

Overview

NCH Healthcare System, Inc. sponsors a self-funded health plan that covered 2,914 participants in plan year 2025, up 2% 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
2,914 · prior year 2,847
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
NCH Healthcare System, Inc. Employee Welfare Benefit Plan, plan 501 (2,914 participants)
Broker compensation
$179K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityPrepaid legalLong-term disabilityOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Cigna Health and Life Insurance CompanyDental2,773$2.7M$27K
Standard Insurance CompanyLife, Long-term disability, Short-term disability3,379$2.2M$134K
Humana Insurance CompanyVision2,261$235K—
Preferred Legal PlanLegal732$123K$18K
Preferred Identity Theft Protection PlanIdentity Theft Protection490$66K—

Pharmacy benefit estimate

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

$6.9M/ year

Estimated prescription spend: 2,914 participants × $2,371 national average per member. Usually higher once dependents are counted.

$180K–$443K/ year

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

Brands with a generic available$53K–$131K
Lower-cost therapeutic alternatives$77K–$160K
Generic pricing vs. actual cost$33K–$99K
PBM contract terms$17K–$52K
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
NCH Healthcare System, Inc.
Sponsor EIN
59-2314655
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 59-2314655 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
NCH Healthcare System, Inc. 401(k) Plan
Type
401(k) plan
Participants
6,780

About this data

Source: NCH Healthcare System, 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 NCH Healthcare System, Inc..

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