Form 5500 · Employee benefit plan · SAN FRANCISCO, CA
FIREWOOD MARKETING, INC.
The filing calls this plan FIREWOOD MARKETING, INC. HEALTH AND WELFARE PLAN.
FIREWOOD MARKETING, INC. of SAN FRANCISCO, CA is a 1,616-participant professional services employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Its broker of record is STRATEGIC BENEFIT RESOURCES. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 5 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 84-3259956 · plan 501 · plan year 2025, filed Jul 16, 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
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.
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 10 insured contracts covering health, dental, vision, life, disability and stop-loss; the largest, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 2,766 people.
The filing lists a stop-loss contract. On its own that does not settle whether the plan pays its own claims.
Reported premium across the insured contracts is $5,066,363, with $114,755 in disclosed broker commissions — about 2.3% 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.
STRATEGIC BENEFIT RESOURCES is the broker of record on 1 of the 10 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| GRANULAR INSURANCE COMPANY | Stop-loss | 1,391 | Jan 1, 2026 | $1,457,054 | $101,994 |
| FIRST UNUM LIFE INSURANCE COMPANY | — | 290 | Jan 1, 2026 | $127,518 | $12,749 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Disability | 2 | Jan 1, 2026 | $118 | $12 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental, Vision | 2,766 | Jan 1, 2026 | $1,942,566 | $0 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 1,381 | Jan 1, 2026 | $621,755 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 68 | Jan 1, 2026 | $444,280 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 51 | Jan 1, 2026 | $313,881 | $0 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | — | 377 | Jan 1, 2026 | $119,833 | $0 |
| CURALINC LLC | — | 1,534 | Jan 1, 2026 | $25,244 | $0 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Disability | 18 | Jan 1, 2026 | $14,114 | $0 |
Premium and claims on this contract
GRANULAR INSURANCE COMPANY, contract 2025-975-CA. For the contract year on this filing, the carrier reported $1,457,054 in premium earned and $1,466,884 in claims incurred. Dividing one by the other gives 101%.
- GRANULAR INSURANCE COMPANY, contract 2025-975-CA reported $0 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.
How this plan compares
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Renewal calendar
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