Sutter Health
Overview
Sutter Health sponsors a self-funded health plan that covered 63,606 participants in plan year 2025, up 9% from the prior year. The plan year starts in January. Alongside medical, its benefits filing reports life insurance, dental, vision, long-term disability, and more.
- Plan type
- ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
- Participants
- 63,606 · prior year 58,322
- Plan year
- Begins January 1 · next renewal January 2027
- Health plans filed
- Sutter Health Wrap Welfare Benefit Plan, plan 542 (63,606 participants); Sutter Health Retiree Health Care Account Plan, plan 523 (6,426 participants); Sutter Health Consolidated Retiree Medical Plan, plan 543 (807 participants)
- Broker compensation
- $4.3M 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 |
|---|---|---|---|---|
| Unum Life Insurance Company of America | Life, Long-term disability | 54,805 | $39.7M | $1.9M |
| Unum Insurance Company | Accident, Critical Illness, Hospital | 28,399 | $13.1M | $2.4M |
| Hartford Life and Accident | Medical, Prescription drug | 644 | $1.4M | $71K |
| Delta Dental of California | Dental | 5,068 | $1.1M | — |
Pharmacy benefit estimate
StreamRX estimate for a plan this size. Not based on this plan's claims.
Estimated prescription spend: 63,606 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
- Sutter Health
- Sponsor EIN
- 94-2788907
- Plan numbers
- 542, 523, 543
- Filed with
- U.S. Department of Labor (EBSA) via EFAST2
Verify this filing: search EIN 94-2788907 in the Department of Labor's EFAST2 Form 5500 search.
Retirement plan
- Plan
- Sutter Health 403(b) Savings Plan
- Type
- Defined contribution plan
- Participants
- 79,995
About this data
Source: Sutter Health'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 Sutter Health.