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Form 5500 · Employee benefit plan · SAN DIEGO, CA

BENEFITS PLUS TRUST FUND WELFARE BENEFIT PLAN

BENEFITS PLUS TRUST FUND WELFARE BENEFIT PLAN of SAN DIEGO, CA insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Coverage is written through BLUE CROSS AND BLUE SHIELD OF ALABAMA and 4 other carriers. The plan's most recent policy period ended in December.

Benefits broker of record
Not disclosed
Insurance carrier
BLUE CROSS AND BLUE SHIELD OF ALABAMA
Policy year ends
Decemberas filed for plan year 2025

Sourced from U.S. DOL EFAST2 Form 5500 · EIN 33-6162794 · plan 503 · plan year 2025, filed Dec 16, 2025

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How this plan is funded

Fully insured as reported

The plan's own financial statement reports paying insurance carriers about what the insurance contracts report in premium.

The filing says this plan is subject to the Form M-1 requirement for multiple-employer welfare arrangements.

All participants at the start of the year
105
Active at start of year
105
Active at end of year
88
Disclosed commissions
$0
Typical renewal
January 1

Benefits declared on this filing

Healthinsured — BLUE CROSS AND BLUE SHIELD OF ALABAMA110 of 105 participants on the largest contract
Dentalinsured — DELTA DENTAL INSURANCE COMPANY1,062 of 105 participants
Visioninsured — VISION SERVICE PLAN396 of 105 participants
Lifeinsured — METROPOLITAN LIFE INSURANCE COMPANY1,127 of 105 participants
Disabilityinsured — METROPOLITAN LIFE INSURANCE COMPANY1,127 of 105 participants

Also declared: other welfare.

Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.

Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.

Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.

Plan brief

Schedule A lists 6 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS AND BLUE SHIELD OF ALABAMA, covers 110 people.

Reported premium is $2,701,647; the filing discloses no broker commission on these contracts.

The most recent policy period ended in December, and the plan year ends March 31. Group contracts typically renew on that annual cycle.

No broker of record is named on the Schedule A. The contracts may be written directly with the carrier, or the broker fields were left blank on the filing.

5 carriers appear on the filing, including BLUE CROSS AND BLUE SHIELD OF ALABAMA, METROPOLITAN LIFE INSURANCE COMPANY, DELTA DENTAL INSURANCE COMPANY and VISION SERVICE PLAN. BLUE CROSS AND BLUE SHIELD OF ALABAMA writes the largest contract by premium.

Schedule A insurance contracts

CarrierBenefitsCoveredRenewsPremiumCommission
BLUE CROSS AND BLUE SHIELD OF ALABAMAHealth110Jan 1, 2025$878,134$0
METROPOLITAN LIFE INSURANCE COMPANYLife, Disability1,127Jan 1, 2025$827,610$0
BLUE CROSS AND BLUE SHIELD OF ALABAMAHealth78Jan 1, 2025$567,497$0
DELTA DENTAL INSURANCE COMPANYDental1,062Jan 1, 2025$331,371$0
VISION SERVICE PLANVision396Jan 1, 2025$64,211$0
HARTFORD LIFE AND ACCIDENTHealth53Jan 1, 2025$32,824$0

Premium and claims on these contracts

BLUE CROSS AND BLUE SHIELD OF ALABAMA, contract 09148. For the contract year on this filing, the carrier reported $878,134 in premium earned and $759,954 in claims incurred. Dividing one by the other gives 87%.

BLUE CROSS AND BLUE SHIELD OF ALABAMA, contract 09147. For the contract year on this filing, the carrier reported $567,497 in premium earned and $125,856 in claims incurred. Dividing one by the other gives 22%.

VISION SERVICE PLAN, contract 30082502. For the contract year on this filing, the carrier reported $64,211 in premium earned and $43,088 in claims incurred. Dividing one by the other gives 67%.

  • BLUE CROSS AND BLUE SHIELD OF ALABAMA, contract 09148 reported $69,021 in retention.
  • BLUE CROSS AND BLUE SHIELD OF ALABAMA, contract 09147 reported $44,604 in retention.
  • VISION SERVICE PLAN, contract 30082502 reported $7,063 in retention.

Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.

Only experience-rated contracts report these figures, so most filings leave them blank.

Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.

See the filing at the Department of Labor

Administrator and service providers

Plan administrator on the filing
FUTURE PLAN OF ASCENSUS
EIN 95-2889854

The plan administrator is from line 3a of the main form. We publish company names only.

Money the plan held and paid out

Plan assets at year end
$253,418
Paid out in benefits
$2,673,603
Paid to insurance carriersSchedule H, line 2e(2)
$2,511,636
Independent accountantEIN 30-1413443
BAKER TILLY US LLP
Accountant's opinion (Schedule H, line 3a)
Unmodified

Sourced from U.S. DOL EFAST2 Form 5500 · Schedule H

These are the plan's own figures from Schedule H, the financial statement it files. They are not the premium on Schedule A.

Other plans filed by this employer

plan 502Insured benefit plan · 6 Schedule A contractsRenews ~Jan 1plan 505Insured benefit plan · 7 Schedule A contractsRenews ~Jan 1plan 501Insured benefit plan · 6 Schedule A contractsRenews ~Jan 1plan 508Insured benefit plan · 4 Schedule A contractsRenews ~Jan 1plan 504Insured benefit plan · 5 Schedule A contractsRenews ~Apr 1plan 509Insured benefit plan · 5 Schedule A contractsRenews ~Apr 1plan 506Form 5500 filing · no insured Schedule A contractsplan 507Form 5500 filing · no insured Schedule A contracts

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