Form 5500 · Employee benefit plan · WATSONVILLE, CA
GRANITE CONSTRUCTION INCORPORATED
The filing calls this plan GRANITE CONSTRUCTION INCORPORATED BENEFITS PROGRAM.
GRANITE CONSTRUCTION INCORPORATED of WATSONVILLE, CA spreads its employee benefits across 6 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is WILLIS TOWERS WATSON US LLC. Coverage is written through AETNA 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 77-0239383 · plan 501 · plan year 2025, filed Sep 1, 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
Vision: the largest of the 3 insured vision contracts, with NETCARE LIFE & HEALTH INSURANCE, covers 52 of 4,740 participants (1.1%) 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 9 insured contracts covering health, dental, vision, life, disability and stop-loss.
The medical plan carries stop-loss coverage: the filing reports the plan paying its own health claims, with insured protection against large ones.
Reported premium across the insured contracts is $10,219,491, with $136,324 in disclosed broker commissions — about 1.3% 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.
WILLIS TOWERS WATSON US LLC is the broker of record on 3 of the 9 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | Stop-loss | 6,882 | Jan 1, 2026 | $1,839,438 | $134,228 |
| NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | — | — | Jan 1, 2026 | $13,973 | $2,096 |
| AETNA LIFE INSURANCE COMPANY | Health, Dental | 1,139 | Jan 1, 2026 | $5,810,210 | $0 |
| CONTINENTAL AMERICAN INSURANCE COMPANY | Life, Disability | 12,224 | Jan 1, 2026 | $1,453,742 | $0 |
| NETCARE LIFE & HEALTH INSURANCE | Health, Dental, Vision | 52 | Jan 1, 2026 | $463,917 | $0 |
| NETCARE LIFE & HEALTH INSURANCE | Health, Dental, Vision | 66 | Jan 1, 2026 | $437,257 | $0 |
| CONTINENTAL AMERICAN INSURANCE COMPANY | Life, Disability | 594 | Jan 1, 2026 | $91,113 | $0 |
| ANTHEM BLUE CROSS | Health | 16 | Jan 1, 2026 | $69,908 | $0 |
| NETCARE LIFE & HEALTH INSURANCE | Health, Dental, Vision | 0 | Jan 1, 2026 | $39,933 | $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.
Reported to OSHA
Reported to OSHA for 2025: 4,846 employees, 17 recordable cases, 384 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
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