Form 5500 · Employee benefit plan · ORANGE, CA
CHILDRENS HOSPITAL OF ORANGE COUNTY
The filing calls this plan CHILDRENS HOSPITAL OF ORANGE COUNTY EMPLOYEE WELFARE BENEFITS PLAN.
CHILDRENS HOSPITAL OF ORANGE COUNTY of ORANGE, CA spreads its employee benefits across 6 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is MERCER HEALTH & BENEFITS LLC. Coverage is written through CIGNA HEALTHCARE OF CALIFORNIA and 5 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 95-2321786 · plan 502 · plan year 2024, filed Jul 30, 2025
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5,257 other employer plans in California have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
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 8 insured contracts covering health, dental, vision, life and disability; the largest, with CIGNA HEALTHCARE OF CALIFORNIA, covers 6,532 people.
Reported premium across the insured contracts is $57,888,455, with $575,496 in disclosed broker commissions — about 1% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
MERCER HEALTH & BENEFITS LLC is the broker of record on 5 of the 8 contracts; the rest name a different broker or none.
6 carriers appear on the filing, including CIGNA HEALTHCARE OF CALIFORNIA, CIGNA HEALTH AND LIFE INSURANCE COMPANY, DELTA DENTAL OF CALIFORNIA and HARTFORD LIFE AND ACCIDENT. CIGNA HEALTHCARE OF CALIFORNIA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| CIGNA HEALTHCARE OF CALIFORNIA | Health | 6,532 | Jan 1, 2025 | $43,585,223 | $217,843 |
| DELTA DENTAL OF CALIFORNIA | Dental | 5,775 | Jan 1, 2025 | $2,699,155 | $134,958 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health | 7,690 | Jan 1, 2025 | $9,143,219 | $80,188 |
| VISION SERVICE PLAN | Vision | 3,577 | Jan 1, 2025 | $730,283 | $73,086 |
| HARTFORD LIFE AND ACCIDENT | Life, Disability | 5,029 | Jan 1, 2025 | $1,225,288 | $49,012 |
| DELTA DENTAL OF CALIFORNIA | Dental | 2,280 | Jan 1, 2025 | $372,703 | $18,636 |
| HARTFORD LIFE AND ACCIDENT | Life | 5,029 | Jan 1, 2025 | $25,333 | $1,773 |
| CURALINC LLC | — | 5,586 | Jan 1, 2025 | $107,251 | $0 |
Premium and claims on these contracts
CIGNA HEALTHCARE OF CALIFORNIA, contract 3334037. For the contract year on this filing, the carrier reported $43,585,223 in premium earned and $42,181,354 in claims incurred. Dividing one by the other gives 97%.
DELTA DENTAL OF CALIFORNIA, contract 03059. For the contract year on this filing, the carrier reported $2,699,155 in premium earned and $2,296,448 in claims incurred. Dividing one by the other gives 85%.
CIGNA HEALTH AND LIFE INSURANCE COMPANY, contract 3334037. For the contract year on this filing, the carrier reported $9,130,034 in premium earned and $10,011,092 in claims incurred. Dividing one by the other gives 110%.
- CIGNA HEALTHCARE OF CALIFORNIA, contract 3334037 reported $3,173,006 in retention.
- DELTA DENTAL OF CALIFORNIA, contract 03059 reported $542,219 in retention.
- CIGNA HEALTH AND LIFE INSURANCE COMPANY, contract 3334037 reported $771,764 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. We publish company names only.
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