Form 5500 · Employee benefit plan · ALAMEDA, CA
BOARD OF TRUSTEES, OPERATING ENGINEERS HEALTH
The filing calls this plan OPERATING ENGINEERS HEALTH AND WELFARE TRUST FUND.
BOARD OF TRUSTEES, OPERATING ENGINEERS HEALTH of ALAMEDA, CA insures health, dental, vision, life, disability and stop-loss coverage for its employees, per Schedule A of its Form 5500. Its broker of record is DOUGLAS A WOHLMAN INC. Coverage is written through KAISER FOUNDATION HEALTH PLAN, INC. and 6 other carriers. The plan's most recent policy period ended in June.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 94-2784001 · plan 501 · plan year 2024, filed Oct 8, 2025
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605 other employer plans in California have policy years ending in June. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Both, as reported
The filing reports both insurance premium and benefits paid from the plan's own money, and the two amounts do not line up.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
Also declared: death benefits, 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 10 insured contracts covering health, dental, vision, life, disability and stop-loss; the largest, with KAISER FOUNDATION HEALTH PLAN, INC., covers 13,797 people.
The medical plan carries stop-loss coverage: the filing reports the plan paying its own health claims, with insured protection against large ones.
Reported premium across the insured contracts is $116,202,101, with $57,681 in disclosed broker commissions — about 0% of premium.
The health contract's policy period ended in June, while at least one ancillary line's policy period ended in December. The plan is on a split renewal cycle.
DOUGLAS A WOHLMAN INC is the broker of record on 1 of the 10 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| THE UNION LABOR LIFE INSURANCE COMPANY | Stop-loss | 2,370 | Jan 1, 2025 | $2,464,278 | $56,820 |
| THE UNION LABOR LIFE INSURANCE COMPANY | Life | 2,296 | Sep 1, 2024 | $21,438 | $861 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 13,797 | Jun 2, 2024 | $87,416,409 | $0 |
| DELTA DENTAL | Dental | 30,601 | Jan 1, 2025 | $14,409,668 | $0 |
| RELIASTAR LIFE INSURANCE COMPANY | Stop-loss | 9,786 | Sep 1, 2024 | $7,134,147 | $0 |
| DELTA DENTAL | Dental | 10,804 | Jan 1, 2025 | $2,200,523 | $0 |
| VISION SERVICE PLAN | Vision | 14,926 | Jan 1, 2025 | $1,875,236 | $0 |
| RELIASTAR LIFE INSURANCE COMPANY | Life | 49,497 | Jan 1, 2025 | $363,222 | $0 |
| ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | Health, Vision | 6,335 | Jul 1, 2024 | $192,899 | $0 |
| LIFEMAP ASSURANCE COMPANY | Life, Disability | 2,412 | Jan 1, 2025 | $124,281 | $0 |
Premium and claims on these contracts
DELTA DENTAL, contract 09575. For the contract year on this filing, the carrier reported $14,409,668 in premium earned and $13,609,996 in claims incurred. Dividing one by the other gives 94%.
VISION SERVICE PLAN, contract 00873005. For the contract year on this filing, the carrier reported $1,875,236 in premium earned and $1,658,252 in claims incurred. Dividing one by the other gives 88%.
- DELTA DENTAL, contract 09575 reported $950,845 in retention.
- VISION SERVICE PLAN, contract 00873005 reported $216,984 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.
Administrator and service providers
The plan administrator is from line 3a of the main form. The service providers are named on Schedule C of this filing. We publish company names only.
Money the plan held and paid out
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.
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Renewal calendar
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