Filings through .
History & trajectory Charts need 2 or more years. This plan has 10 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingBroker comp is under 1% of premium on a plan over $1M. The plan may have no broker or pay a flat fee. Consultants can pitch it.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 17 contracts with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,676,677 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,433 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,680,110 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts, 11 carriers) | KAISER FOUNDATION HEALTH PLAN OF CALIFORNIA | 1,676,677 | $562.8M |
| Vision | VISION SERVICE PLAN | 654,947 | $68.9M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,083,762 | $244.9M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 320,907 | $122.9M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 320,907 | $122.9M |
| Prescription drug(7 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN OF CALIFORNIA | 20,867 | $368.6M |
| Stop-loss / reinsurancereinsurance | MCS LIFE INSURANCE COMPANY | 6,626 | $1.4M |
| Other(5 contracts, 5 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,676,677 | $322.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,676,677 | - |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
| Broker | Commissions |
|---|---|
Carrier: Lincoln National Life Insurance Company | |
Carrier: Four Ever Life Insurance Co. | |
Carrier: Zurich American Insurance Company |
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ARKANSAS BLUE CROSS AND BLUE SHIELD EIN 71-0226428 NONE | Claims processing Service code 12 | — | $222.0M |
| AETNA EIN 06-6033492 NONE | Claims processing Service code 12 | — | $36.2M |
| SEDGWICK EIN 36-2685608 NONE | Claims processing Service code 12 | — | $34.3M |
| OPTUMRX EIN 33-0441200 NONE | Claims processing Service code 12 | — | $27.2M |
| UMR EIN 39-1995276 NONE | Claims processing Service code 12 | — | $26.7M |
| DELTA DENTAL OF AR EIN 71-0561140 NONE | Claims processing Service code 12 | — | $10.9M |
| HEALTH DESIGN PLUS EIN 34-1593929 NONE | Claims processing Service code 12 | — | $7.2M |
| MCS LIFE INSURANCE CO EIN 66-0520918 NONE | Claims processing Service code 12 | — | $3.0M |
| INTELLIVO EIN 62-1804474 NONE | Accounting (including auditing) Service code 10 | — | $3.0M |
| VCG CONSULTANTS EIN 27-3547382 NONE | Contract Administrator Service code 13 | — | $2.5M |
| HEALTHCARE HORIZONS EIN 62-1542434 NONE | Consulting (general) Service code 16 | — | $2.4M |
| CONEXIS BENEFIT ADMINISTRATORS EIN 20-0198855 NONE | Claims processing Service code 12 | — | $2.1M |
| CARRUM HEALTH, INC. EIN 46-5168842 NONE | Claims processing Service code 12 | — | $2.0M |
| CONSOCIATE HEALTH EIN 37-1351918 NONE | Claims processing Service code 12 | — | $2.0M |
| VERISK HEALTH EIN 04-3308685 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $1.0M |
| MC-21 LLC EIN 94-3276520 NONE | Claims processing Service code 12 | — | $281K |
| DENTAL PR EIN 68-0652604 NONE | Claims processing Service code 12 | — | $98K |
| JPMORGAN BANK EIN 13-4994650 NONE | Claims processing Service code 12 | — | $48K |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
7 contacts
11 filings · 2015 to 2025