Form 5500 · Employee benefit plan · LAKE OSWEGO, OR
KINDERCARE EDUCATION, LLC
The filing calls this plan KINDERCARE EDUCATION, LLC HEALTH & WELFARE PLAN.
Public Form 5500 records show how KINDERCARE EDUCATION, LLC of LAKE OSWEGO, OR, a health care and social assistance employer, structures its employee benefits. Its broker of record is AON CONSULTING. Coverage is written through OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON and 9 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 06-1097006 · plan 501 · plan year 2025, filed Jul 22, 2026
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744 other employer plans in Oregon 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
Health: the largest of the 7 insured health contracts, with KAISER FOUNDATION HEALTH PLAN, INC., covers 601 of 24,021 participants (2.5%) on Schedule A.
Also declared: prepaid legal, 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 16 insured contracts covering health, dental, vision, life and disability; the largest, with OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON, covers 15,412 people.
Reported premium across the insured contracts is $33,578,378, with $724,062 in disclosed broker commissions — about 2.2% 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.
AON CONSULTING is the broker of record on 5 of the 16 contracts; the rest name a different broker or none.
10 carriers appear on the filing, including OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON, KAISER FOUNDATION HEALTH PLAN, INC., KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST and KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC.. OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON | Dental | 15,412 | Jan 1, 2026 | $5,709,225 | $122,803 |
| VISION SERVICE PLAN | Vision | 8,474 | Jan 1, 2026 | $933,838 | $100,495 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 601 | Jan 1, 2026 | $5,458,820 | $77,503 |
| METROPOLITAN LIFE INSURANCE COMPANY | Life, Disability | 27,519 | Jan 1, 2026 | $2,131,868 | $74,559 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 589 | Jan 1, 2026 | $5,043,583 | $70,746 |
| METROPOLITAN LIFE INSURANCE COMPANY | — | 2,884 | Jan 1, 2026 | $377,228 | $58,740 |
| KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | Health | 430 | Jan 1, 2026 | $3,047,187 | $41,993 |
| METROPOLITAN LIFE INSURANCE COMPANY | — | 1,181 | Jan 1, 2026 | $204,241 | $37,046 |
| KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | Health | 435 | Jan 1, 2026 | $3,201,110 | $35,922 |
| KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | Health | 255 | Jan 1, 2026 | $1,954,491 | $28,969 |
| METROPOLITAN LIFE INSURANCE COMPANY | — | 1,992 | Jan 1, 2026 | $142,000 | $28,494 |
| KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | Health | 231 | Jan 1, 2026 | $1,655,366 | $22,870 |
| KAISER FOUNDATION HEALTH PLAN OF COLORADO | Health | 204 | Jan 1, 2026 | $1,371,161 | $18,857 |
| METLIFE LEGAL PLANS | — | 336 | Jan 1, 2026 | $68,389 | $5,053 |
| METROPOLITAN LIFE INSURANCE COMPANY | Life | 0 | Jan 1, 2026 | $18,110 | $12 |
| METROPOLITAN LIFE INSURANCE COMPANY | Disability | 4,796 | Jan 1, 2026 | $2,261,761 | $0 |
Premium and claims on this contract
VISION SERVICE PLAN, contract 40150106. For the contract year on this filing, the carrier reported $933,838 in premium earned and $649,456 in claims incurred. Dividing one by the other gives 70%.
- VISION SERVICE PLAN, contract 40150106 reported $291,932 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.
Other plans filed by this employer
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