Form 5500 · Employee benefit plan · OAKLAND, CA
KAISER FOUNDATION HEALTH PLAN, INC.
The filing calls this plan KAISER FOUNDATION HEALTH PLAN, INC. RETIREE HEALTH AND WELFARE PLAN.
Public Form 5500 records show how KAISER FOUNDATION HEALTH PLAN, INC. of OAKLAND, CA, a health care and social assistance employer, structures its employee benefits. Coverage is written through KAISER FOUNDATION HEALTH PLAN, INC. and 8 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 94-1340523 · plan 580 · plan year 2024, filed Oct 15, 2025
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How this plan is funded
Self-funded as reported
The plan's financial statement reports paying insurance carriers far less than the premium on its insurance contracts, so most benefits were paid from plan money.
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
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 55 insured contracts covering health, dental and life; the largest, with KAISER FOUNDATION HEALTH PLAN, INC., covers 16,837 people.
Reported premium is $403,076,747; the filing discloses no broker commission on these contracts.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
No broker of record is named on the Schedule A. The contracts may be written directly with the carrier, or the broker fields were left blank on the filing.
9 carriers appear on the filing, including KAISER FOUNDATION HEALTH PLAN, INC., KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST, KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. and KAISER FOUNDATION HEALTH PLAN OF COLORADO. KAISER FOUNDATION HEALTH PLAN, INC. writes the largest contract by premium.
Schedule A insurance contracts
Premium and claims on these contracts
METROPOLITAN LIFE INSURANCE COMPANY, contract 140310. For the contract year on this filing, the carrier reported $3,211,981 in premium earned and $2,613,872 in claims incurred. Dividing one by the other gives 81%.
DELTA DENTAL OF CALIFORNIA, contract 05454. For the contract year on this filing, the carrier reported $1,971,361 in premium earned and $2,494,868 in claims incurred. Dividing one by the other gives 127%.
- METROPOLITAN LIFE INSURANCE COMPANY, contract 140310 reported $598,109 in retention.
- DELTA DENTAL OF CALIFORNIA, contract 05454 reported $167,483 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. The service providers are named on Schedule C of this filing. We publish company names only.
Reported to OSHA
Reported to OSHA for 2025: 1,621 employees, 77 recordable cases, 3,230 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Money the plan held and paid out
Sourced from U.S. DOL EFAST2 Form 5500 · Schedule H
These are the plan's own figures from Schedule H, the financial statement it files. They are not the premium on Schedule A.
Other plans filed by this employer
How this plan compares
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