Form 5500 · Employee benefit plan · SAN FRANCISCO, CA
ELECTRONIC FRONTIER FOUNDATION
The filing calls this plan ELECTRONIC FRONTIER FOUNDATION WELFARE BENEFIT PLAN.
Public Form 5500 records show how ELECTRONIC FRONTIER FOUNDATION of SAN FRANCISCO, CA, a other services employer, structures its employee benefits. Its broker of record is NAC INSURANCE ADMINISTRATION. Coverage is written through CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 04-3091431 · plan 501 · plan year 2025, filed Jun 18, 2026
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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 3 insured contracts covering health, life and disability; the largest, with CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA), covers 129 people.
Reported premium across the insured contracts is $2,179,141, with $99,997 in disclosed broker commissions — about 4.6% 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.
NAC INSURANCE ADMINISTRATION is the broker of record on all 3 contracts.
3 carriers appear on the filing, including CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA), KAISER FOUNDATION HEALTH PLAN, INC. and UNUM LIFE INSURANCE COMPANY OF AMERICA. CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) | Health | 129 | Jan 1, 2026 | $1,558,422 | $77,921 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 106 | Jan 1, 2026 | $90,944 | $11,347 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 50 | Jan 1, 2026 | $529,775 | $10,729 |
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
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