Form 5500 · Employee benefit plan · WOBURN, MA
ETHOS CALIFORNIA VETERINARY GROUP
The filing calls this plan ETHOS CALIFORNIA VETERINARY GROUP WELFARE BENEFITS PLAN.
ETHOS CALIFORNIA VETERINARY GROUP of WOBURN, MA files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is MERCER HEALTH & BENEFITS LLC. Coverage is written through KAISER FOUNDATION HEALTH PLAN, INC. and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 81-4210337 · plan 501 · plan year 2023, filed Oct 7, 2025
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1,456 other employer plans in Massachusetts 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
Also declared: death benefits.
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 7 insured contracts covering health, dental, vision, life and disability.
Reported premium across the insured contracts is $2,482,016, with $161,623 in disclosed broker commissions — about 6.5% 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 2 of the 7 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including KAISER FOUNDATION HEALTH PLAN, INC., STANDARD INSURANCE COMPANY, AETNA LIFE INSURANCE COMPANY and EYEMED VISION CARE. KAISER FOUNDATION HEALTH PLAN, INC. writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 119 | Jan 1, 2024 | $944,890 | $46,573 |
| STANDARD INSURANCE COMPANY | Disability | 69 | Jan 1, 2024 | $394,387 | $36,176 |
| STANDARD INSURANCE COMPANY | Disability | 467 | Jan 1, 2024 | $262,005 | $24,008 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 67 | Jan 1, 2024 | $435,023 | $21,356 |
| STANDARD INSURANCE COMPANY | Life | 665 | Jan 1, 2024 | $180,714 | $16,554 |
| EYEMED VISION CARE | Vision | 300 | Jan 1, 2024 | $127,913 | $12,857 |
| AETNA LIFE INSURANCE COMPANY | Dental | 357 | Jan 1, 2024 | $137,084 | $4,099 |
Premium and claims on these contracts
STANDARD INSURANCE COMPANY, contract 761913. For the contract year on this filing, the carrier reported $394,387 in premium earned and $174,887 in claims incurred. Dividing one by the other gives 44%.
STANDARD INSURANCE COMPANY, contract 761913. For the contract year on this filing, the carrier reported $262,005 in premium earned and $223,823 in claims incurred. Dividing one by the other gives 85%.
STANDARD INSURANCE COMPANY, contract 761913. For the contract year on this filing, the carrier reported $180,714 in premium earned and $72,763 in claims incurred. Dividing one by the other gives 40%.
- STANDARD INSURANCE COMPANY, contract 761913 reported $222,719 in retention.
- STANDARD INSURANCE COMPANY, contract 761913 reported $156,030 in retention.
- STANDARD INSURANCE COMPANY, contract 761913 reported $107,953 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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Renewal calendar
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