Pinnacle Bank
Overview
Pinnacle Bank sponsors a self-funded health plan that covered 3,733 participants in plan year 2025, up 4% 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
- 3,733 · prior year 3,603
- Plan year
- Begins January 1 · next renewal January 2027
- Health plans filed
- Pinnacle Financial Partners, Inc. Health and Welfare Plan, plan 502 (3,733 participants)
- Broker compensation
- $838K 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 |
|---|---|---|---|---|
| Continental American Insurance Company | Life, Short-term disability, Long-term disability | 3,733 | $4.6M | $735K |
| Healthjoy | Employee Assistance Program, Telehealth | 44,608 | $423K | — |
| Bluecross Blueshield of Tennessee, Inc. | Vision | 6,186 | $271K | $27K |
| Delta Dental of Tennessee | Dental | 3,733 | $150K | $71K |
| Aflac | Life | 66 | $40K | $5K |
| Life Insurance Company of North America | Business Travel Accident | 3,733 | $3K | $408 |
Pharmacy benefit estimate
StreamRX estimate for a plan this size. Not based on this plan's claims.
Estimated prescription spend: 3,733 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
- Pinnacle Bank
- Sponsor EIN
- 62-1829917
- Plan number
- 502
- Filed with
- U.S. Department of Labor (EBSA) via EFAST2
Verify this filing: search EIN 62-1829917 in the Department of Labor's EFAST2 Form 5500 search.
Retirement plan
- Plan
- Pinnacle Financial Partners, Inc. 401(k) Plan
- Type
- 401(k) plan
- Participants
- 3,987
About this data
Source: Pinnacle 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 Pinnacle Bank.