Form 5500 · Employee benefit plan · FOOTHILL RANCH, CA
GLOBAL BENEFITS GROUP, INC.
The filing calls this plan GBG, INC. WELFARE BENEFITS PLAN.
GLOBAL BENEFITS GROUP, INC. of FOOTHILL RANCH, CA is a 160-participant finance and insurance employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is HUB INTERNATIONAL MIDWEST LTD. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 7 other carriers. The plan's most recent policy period ended in August.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 20-3842750 · plan 501 · plan year 2024, filed Jul 14, 2025
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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 CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 5 of 160 participants (3.1%) on Schedule A.
Dental: the largest of the 5 insured dental contracts, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 5 of 160 participants (3.1%) 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 12 insured contracts covering health, dental, vision, life and disability.
Reported premium across the insured contracts is $1,119,049, with $62,118 in disclosed broker commissions — about 5.6% of premium.
The health contract's policy period ended in August, while at least one ancillary line's policy period ended in September. The plan is on a split renewal cycle.
HUB INTERNATIONAL MIDWEST LTD is the broker of record on 7 of the 12 contracts; the rest name a different broker or none.
8 carriers appear on the filing, including CIGNA HEALTH AND LIFE INSURANCE COMPANY, CIGNA HEALTHCARE OF FLORIDA, INC., CIGNA HEALTHCARE OF CALIFORNIA and LIFE INSURANCE COMPANY OF NORTH AMERICA. CIGNA HEALTH AND LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental | 5 | Sep 1, 2024 | $729,932 | $38,176 |
| CIGNA HEALTHCARE OF FLORIDA, INC. | Health | 0 | Sep 1, 2024 | $293,349 | $14,667 |
| CIGNA HEALTHCARE OF CALIFORNIA | Health | 0 | Sep 1, 2024 | $48,959 | $2,448 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Life | 0 | Oct 1, 2024 | $15,834 | $2,375 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 0 | Oct 1, 2024 | $10,639 | $1,596 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 0 | Oct 1, 2024 | $8,981 | $1,347 |
| METROPOLITAN LIFE INSURANCE COMPANY | Vision | 27 | Oct 1, 2024 | $7,635 | $1,042 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | — | 0 | Oct 1, 2024 | $1,910 | $287 |
| CIGNA DENTAL HEALTH OF FLORIDA, INC. | Health, Dental | 11 | Sep 1, 2024 | $1,454 | $145 |
| CIGNA HEALTHCARE OF CALIFORNIA | Health, Dental | 2 | Sep 1, 2024 | $254 | $25 |
| CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | Health, Dental | 1 | Sep 1, 2024 | $68 | $7 |
| CIGNA DENTAL HEALTH OF KENTUCKY, INC. | Health, Dental | 1 | Sep 1, 2024 | $34 | $3 |
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.
Other plans filed by this employer
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