Chs/Community Health Systems, Inc.
Updated Filing received by DOL
Chs/Community Health Systems, Inc., a healthcare & social assistance employer in Franklin, Tennessee, reported 48,581 participants in its health and welfare plans for plan year 2025. Its Form 5500 shows 7 insurance contracts with no premium reported and $213,156 in broker commissions and fees. The plan is self-funded (the employer pays claims itself). The Department of Labor received the filing on August 18, 2026, within the extension window.
Who was paid on Chs/Community Health Systems, Inc.'s plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Chs/Community Health Systems, Inc. filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Gallagher · Glendale, CA | $149,066 | $25,861 | $174,927 | 5 |
| Businesssolver.Com, Inc. · West Des Moines, IA | $0 | $30,435 | $30,435 | 1 |
| Reuben Warner Associates, Inc. · Staten Island, NY | $7,793 | $0 | $7,793 | 1 |
| USI Insurance Services · Virginia Beach, VA | $0 | $0 | $0 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2025, as published in EBSA's 2025 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Where Part I rows added up to more than the contract's Schedule A total, they were scaled down to that total. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Prudential Insurance Company of Americalife, short-term disability, long-term disability · amount flagged as implausible, excluded | 43,942 | — | — | — |
| Metropolitan Life Insurance Companydental | 3,247 | — | $39,480 | — |
| Federal Insurance Companycoverage not coded | 48,560 | — | $7,793 | — |
| Carelon Behavioral Health, Inc.coverage not coded | 57,005 | — | — | — |
| Metropolitan General Insurance Companycoverage not coded | 3,300 | — | $88,534 | — |
| American Heritage Life Insurance Companylife, indemnity · amount flagged as implausible, excluded | 12,535 | — | — | — |
| Vision Service Planvision | 31,249 | — | $77,349 | — |
Source: DOL Form 5500 Schedule A, plan year 2025. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Chs/Community Health Systems, Inc. compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Not computable: no insured medical premium on the filing.
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 50,180 | 48,581 | −3.2% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $244,179 | $213,156 | −12.7% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2024 and 2025.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| Chs/Community Health Systems, Inc. Welfare Benefit Plan#504 · insurance, general assets | December 31, 2025 | August 18, 2026 | within extension | 48,581 |
| Community Health Systems Group Health Plan#501 · insurance, general assets, trust | December 31, 2025 | August 18, 2026 | within extension | 39,564 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did Chs/Community Health Systems, Inc. pay in health insurance broker commissions in 2025?
Chs/Community Health Systems, Inc.'s 2025 Form 5500 reports $213,156 in broker commissions and fees across 7 insurance contracts ($156,859 in commissions, $56,297 in fees), with Gallagher receiving the largest share.
Is Chs/Community Health Systems, Inc.'s health plan self-funded or fully insured?
The 2025 filing indicates the plan is self-funded (the employer pays claims itself).
How does Chs/Community Health Systems, Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Chs/Community Health Systems, Inc. because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 5,000+ participants that disclosed broker pay reported a median of $458,262.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.