Form 5500 · Employee benefit plan · OAKLAND, CA
KAISER FOUNDATION HEALTH PLAN, INC.
The filing calls this plan KAISER FOUNDATION HEALTH PLAN, INC. 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. Its broker of record is MERCER HEALTH & BENEFITS ADMIN LLC. Coverage is written through KAISER FOUNDATION HEALTH PLAN, INC. and 18 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 94-1340523 · plan 560 · plan year 2024, filed Oct 10, 2025
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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
11 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
Also declared: prepaid legal, severance, 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 52 insured contracts covering health, dental, life and disability; the largest, with KAISER FOUNDATION HEALTH PLAN, INC., covers 82,350 people.
The filing declares health, dental, life, disability and vision. Vision appears with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on one of the 11 contracts here that do not say what they cover.
Reported premium across the insured contracts is $2,108,375,323, with $2,408,507 in disclosed broker commissions — about 0.1% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in May. The plan is on a split renewal cycle.
MERCER HEALTH & BENEFITS ADMIN LLC is the broker of record on 2 of the 52 contracts; the rest name a different broker or none.
Schedule A insurance contracts
Premium and claims on these contracts
WILLAMETTE DENTAL OF WASHINGTON, INC., contract WA76. For the contract year on this filing, the carrier reported $2,587,707 in premium earned and $2,609,465 in claims incurred. Dividing one by the other gives 101%.
DELTA DENTAL OF CALIFORNIA, contract 5454. For the contract year on this filing, the carrier reported $72,663,376 in premium earned and $91,959,606 in claims incurred. Dividing one by the other gives 127%.
METROPOLITAN LIFE INSURANCE COMPANY, contract 140410. For the contract year on this filing, the carrier reported $24,530,971 in premium earned and $18,471,246 in claims incurred. Dividing one by the other gives 75%.
METROPOLITAN LIFE INSURANCE COMPANY, contract 140310. For the contract year on this filing, the carrier reported $13,019,694 in premium earned and $10,595,274 in claims incurred. Dividing one by the other gives 81%.
HAWAII DENTAL SERVICE, contract 544. For the contract year on this filing, the carrier reported $3,209,481 in premium earned and $2,963,628 in claims incurred. Dividing one by the other gives 92%.
UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC., contract 740152. For the contract year on this filing, the carrier reported $162,873 in premium earned and $53,447 in claims incurred. Dividing one by the other gives 33%.
- WILLAMETTE DENTAL OF WASHINGTON, INC., contract WA76 reported $228,475 in retention.
- DELTA DENTAL OF CALIFORNIA, contract 5454 reported $6,173,358 in retention.
- METROPOLITAN LIFE INSURANCE COMPANY, contract 140410 reported $6,059,725 in retention.
- METROPOLITAN LIFE INSURANCE COMPANY, contract 140310 reported $2,424,421 in retention.
- HAWAII DENTAL SERVICE, contract 544 reported $353,043 in retention.
- UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC., contract 740152 reported $23,047 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: 1,621 employees, 77 recordable cases, 3,230 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
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