Form 5500 · Employee benefit plan · SAN RAMON, CA
CMG FINANCIAL SERVICES
The filing calls this plan CMG FINANCIAL SERVICES HEALTH AND WELFARE PLAN.
CMG FINANCIAL SERVICES of SAN RAMON, CA is a 3,664-participant finance and insurance employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is WILLIS TOWERS WATSON INS SVCS WEST. Coverage is written through PRUDENTIAL INSURANCE COMPANY OF AMERICA and 8 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 90-0156517 · plan 501 · plan year 2025, filed Jul 7, 2026
Get an email when this employer files a new Form 5500, and again about four months before its plan renews.
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
Both, as reported
The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.
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
Health: the largest of the 9 insured health contracts, with KAISER FOUNDATION HEALTH PLAN, INC., covers 296 of 3,664 participants (8.1%) on Schedule A.
Dental: HAWAII MEDICAL SERVICE ASSOCIATION covers 39 of 3,664 participants (1.1%) on Schedule A.
Vision: HAWAII MEDICAL SERVICE ASSOCIATION covers 39 of 3,664 participants (1.1%) on Schedule A.
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 11 insured contracts covering health, dental, vision, life and disability; the largest, with PRUDENTIAL INSURANCE COMPANY OF AMERICA, covers 3,866 people.
Reported premium across the insured contracts is $8,726,837, with $626,547 in disclosed broker commissions — about 7.2% 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.
WILLIS TOWERS WATSON INS SVCS WEST is the broker of record on 7 of the 11 contracts; the rest name a different broker or none.
9 carriers appear on the filing, including PRUDENTIAL INSURANCE COMPANY OF AMERICA, KAISER FOUNDATION HEALTH PLAN, INC., KAISER FOUNDATION HEALTH PLAN OF WASHINGTON and KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST. PRUDENTIAL INSURANCE COMPANY OF AMERICA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| PRUDENTIAL INSURANCE COMPANY OF AMERICA | Life, Disability | 3,866 | Jan 1, 2026 | $3,319,621 | $444,375 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 296 | Jan 1, 2026 | $2,429,801 | $78,089 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 105 | Jan 1, 2026 | $835,295 | $31,949 |
| KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | Health | 87 | Jan 1, 2026 | $646,989 | $22,349 |
| KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | Health | 55 | Jan 1, 2026 | $422,689 | $13,497 |
| KAISER FOUNDATION HEALTH PLAN OF COLORADO | Health | 42 | Jan 1, 2026 | $262,761 | $11,734 |
| KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | Health | 37 | Jan 1, 2026 | $317,500 | $11,474 |
| PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | Life | 38 | Jan 1, 2026 | $30,390 | $10,229 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 9 | Jan 1, 2026 | $62,665 | $1,827 |
| KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | Health | 7 | Jan 1, 2026 | $27,407 | $1,024 |
| HAWAII MEDICAL SERVICE ASSOCIATION | Health, Dental, Vision | 39 | Jan 1, 2026 | $371,719 | $0 |
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.
How this plan compares
Subscribers see how this compares with similar plans in California. A subscription also adds this plan's filing history and the renewal calendar for its state. See plans and prices
Without an account you can open 10 employer, broker and carrier pages a day, including through an AI assistant, and 50 a day with a free account. Paid plans are what keep these records free to read.
Renewal calendar
5,257 other employer plans in California are January 1 renewals (policy year ends December).
Their policy years end in December, like this plan’s, so most renew January 1. The calendar lists every insured group by renewal date and state, with broker of record, carrier and disclosed commission. You can preview the five largest in each month for free.
Claude & ChatGPT
Look up records from Claude or ChatGPT
Add Form5500Lookup to Claude or ChatGPT and ask about any employer, broker or carrier in plain English. Lookups are free. Renewal lists, full books of business and exports are included with a subscription.
Building a list or a tool from these records? Match a list you already have from $29 per 1,000 records, or license the whole dataset as a weekly file for $499 a month. See both
More employer plans in California — largest plans, brokers, carriers and renewal months.