Form 5500 · Employee benefit plan · SAN JUAN CAPISTRANO, CA
ENSIGN SERVICES, INC.
The filing calls this plan ENSIGN SERVICES, INC. COMPREHENSIVE HEALTH AND WELFARE BENEFIT PLAN.
ENSIGN SERVICES, INC. of SAN JUAN CAPISTRANO, CA is a 31,596-participant health care and social assistance employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is MERCER HEALTH AND BENEFITS ADMIN. Coverage is written through KAISER FOUNDATION HEALTH PLAN, INC. and 9 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 11-3645368 · plan 506 · plan year 2025, filed Jul 23, 2026
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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
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 7 insured health contracts, with KAISER FOUNDATION HEALTH PLAN, INC., covers 1,827 of 31,596 participants (5.8%) 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 16 insured contracts covering health, dental, vision, life and disability.
Reported premium across the insured contracts is $29,797,242, with $2,065,577 in disclosed broker commissions — about 6.9% 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 AND BENEFITS ADMIN is the broker of record on 4 of the 16 contracts; the rest name a different broker or none.
10 carriers appear on the filing, including KAISER FOUNDATION HEALTH PLAN, INC., PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY, UNUM LIFE INSURANCE COMPANY OF AMERICA and VISION SERVICE PLAN. KAISER FOUNDATION HEALTH PLAN, INC. writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | Disability | 4,410 | Jan 1, 2026 | $2,413,885 | $591,743 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 1,827 | Jan 1, 2026 | $14,188,949 | $373,926 |
| UNUM INSURANCE COMPANY | — | 3,062 | Jan 1, 2026 | $886,863 | $216,360 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life | 4,073 | Jan 1, 2026 | $1,943,183 | $194,318 |
| UNUM INSURANCE COMPANY | — | 2,915 | Jan 1, 2026 | $792,140 | $183,864 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Disability | 2,194 | Jan 1, 2026 | $1,168,426 | $126,233 |
| UNUM INSURANCE COMPANY | — | 4,154 | Jan 1, 2026 | $410,320 | $89,254 |
| VISION SERVICE PLAN | Vision | 15,824 | Jan 1, 2026 | $1,681,128 | $76,786 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life | 34,847 | Jan 1, 2026 | $991,081 | $74,331 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental | 7,923 | Jan 1, 2026 | $1,117,237 | $55,649 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 302 | Jan 1, 2026 | $1,871,480 | $42,921 |
| KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | Health | 63 | Jan 1, 2026 | $503,562 | $24,134 |
| SIMNSA | Health | 46 | Jan 1, 2026 | $169,770 | $11,884 |
| KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | Health | 16 | Jan 1, 2026 | $106,890 | $3,227 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | — | 76 | Jan 1, 2026 | $22,012 | $947 |
| KAISER FOUNDATION HEALTH PLAN OF COLORADO | Health | 257 | Jan 1, 2026 | $1,530,316 | $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.
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