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Sponsor portfolioWelfare / HealthEIN 95-1943396
OPARC
9029 VERNON AVE · MONTCLAIR, CA 91763
9099853116
- Plans filed
- 3
- Years active
- 2018–2025
- Industry
- NAICS 62
- Latest filing
- 2025
Total premiums (latest)
$148K
No prior year
Persons covered
263
No prior year
Total participants
234
No prior year
Plans filed
3
No prior year
Plans under this sponsor
3 plans
Plan #501$148K
OPARC LIFE & AD&D
Fully insured263 covered·3 carriers
Primary: METROPOLITAN LIFE INSURANCE COMPANY
Plan #502$15K
OPARC VOLUNTARY LIFE & AD&D
Fully insured37 covered·1 carrier
Primary: UNUM LIFE INSURANCE COMPANY OF AMERICA
Plan #503$6K
OPARC LONG TERM DISABILITY
Fully insured30 covered·1 carrier
Primary: THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA
Coverage overview
Aggregate, latest year
| Benefit type | Premium | Share | Distribution |
|---|---|---|---|
| Dental | $97K | 35.2% | |
| Vision | $79K | 28.6% | |
| Life | $50K | 18.1% | |
| Other | $50K | 18.1% |
Carrier overview
3 carriers · all plans
| Carrier | Coverage | Total premium | Share | Plans | Contracts | Covered |
|---|---|---|---|---|---|---|
EIN 135581829 | DV | $79K | 53.8% | 1 | 1 | 263 |
EIN 010278678 | LOth | $50K | 34.0% | 1 | 2 | 232 |
EIN 952879515 | D | $18K | 12.2% | 1 | 1 | 101 |
Broker overview
1 broker · all plans
| Broker | Loc | Carriers | Commissions | Fees | Total comp | Share | Plans |
|---|---|---|---|---|---|---|---|
| HEFFERNAN INSURANCE BROKERS | WALNUT CREEK, CA | UNUM LIFE INSURANCE COMPANY OF AMERICA, SAFEGUARD HEALTH PLANS, INC., METROPOLITAN LIFE INSURANCE COMPANY | $17K | $994 | $18K | 100.0% | 1 |
History & trajectory
8 years · all plans
Total premiums
Summed across all plans for this sponsor.
Persons covered
EOY headcount summed across all plans.
Carrier mix
Premium by top carriers, summed across plans.
Broker compensation
Comp by top brokers, summed across plans.
Policy details
Latest year, by plan