Form 5500 · Employee benefit plan · SANTA CRUZ, CA
JOBY AERO, INC.
The filing calls this plan JOBY AERO WELFARE BENEFITS PLAN.
JOBY AERO, INC. of SANTA CRUZ, CA files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is SEQUOIA BENEFITS & INS SVCS LLC. Coverage is written through BLUE CROSS OF CALIFORNIA and 6 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 81-4458866 · plan 501 · plan year 2025, filed Jul 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
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.
Benefits declared on this filing
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 and disability; the largest, with BLUE CROSS OF CALIFORNIA, covers 2,095 people.
Reported premium across the insured contracts is $29,690,818, with $693 in disclosed broker commissions — about 0% 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.
SEQUOIA BENEFITS & INS SVCS LLC is the broker of record on 1 of the 9 contracts; the rest name a different broker or none.
7 carriers appear on the filing, including BLUE CROSS OF CALIFORNIA, KAISER FOUNDATION HEALTH PLAN, INC., AETNA LIFE INSURANCE COMPANY and UNUM LIFE INSURANCE COMPANY OF AMERICA. BLUE CROSS OF CALIFORNIA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| ZURICH AMERICAN INSURANCE COMPANY | — | 2,006 | Jan 1, 2026 | $4,618 | $693 |
| BLUE CROSS OF CALIFORNIA | Health | 2,095 | Jan 1, 2026 | $20,095,682 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 871 | Jan 1, 2026 | $5,995,976 | $0 |
| AETNA LIFE INSURANCE COMPANY | Dental | 3,264 | Jan 1, 2026 | $1,887,575 | $0 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 1,890 | Jan 1, 2026 | $852,294 | $0 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life | 577 | Jan 1, 2026 | $251,511 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 23 | Jan 1, 2026 | $218,353 | $0 |
| MODERN HEALTH | — | 1,995 | Dec 2, 2025 | $205,187 | $0 |
| VISION SERVICE PLAN | Vision | 1,779 | Jan 1, 2026 | $179,622 | $0 |
Premium and claims on this contract
VISION SERVICE PLAN, contract 30108129. For the contract year on this filing, the carrier reported $179,622 in premium earned and $129,136 in claims incurred. Dividing one by the other gives 72%.
- VISION SERVICE PLAN, contract 30108129 reported $26,943 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.
Reported to OSHA
Reported to OSHA for 2025: 1,569 employees, 30 recordable cases, 145 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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