Form 5500 · Employee benefit plan · IRVINE, CA
ONESMILE, LLC
The filing calls this plan ONESMILE WELFARE BENEFITS PLAN.
ONESMILE, LLC of IRVINE, CA is a 6,321-participant health care and social assistance employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is CUSTOM BENEFIT CONSULTANTS. Coverage is written through BCS INSURANCE COMPANY and 4 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 91-1643507 · plan 515 · plan year 2024, filed Apr 24, 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.
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 3 insured health contracts, with KAISER FOUNDATION HEALTH PLAN, INC., covers 243 of 6,321 participants (3.8%) on Schedule A.
2 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, 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 10 insured contracts covering health, vision, life, disability and stop-loss; the largest, with BCS INSURANCE COMPANY, covers 2,750 people.
The filing declares health, vision, life, disability and dental. Dental 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 2 contracts here that do not say what they cover.
The filing lists a stop-loss contract. On its own that does not settle whether the plan pays its own claims.
Reported premium across the insured contracts is $6,713,536, with $182,776 in disclosed broker commissions — about 2.7% 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.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BCS INSURANCE COMPANY | Health | 2,967 | Jan 1, 2025 | $425,767 | $67,877 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 1,073 | Jan 1, 2025 | $837,881 | $41,894 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Life | 2,112 | Jan 1, 2025 | $673,156 | $30,612 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 715 | Jan 1, 2025 | $616,485 | $20,888 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 243 | Jan 1, 2025 | $1,278,556 | $6,627 |
| METLIFE LEGAL PLANS | — | 336 | Jan 1, 2025 | $69,251 | $6,450 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 103 | Jan 1, 2025 | $567,904 | $4,388 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | — | 992 | Jan 1, 2025 | $118,521 | $4,040 |
| BCS INSURANCE COMPANY | Stop-loss | 2,750 | Jan 1, 2025 | $1,814,022 | $0 |
| VISION SERVICE PLAN | Vision | 2,678 | Jan 1, 2025 | $311,993 | $0 |
Premium and claims on this contract
VISION SERVICE PLAN, contract 30100770. For the contract year on this filing, the carrier reported $311,993 in premium earned and $283,655 in claims incurred. Dividing one by the other gives 91%.
- VISION SERVICE PLAN, contract 30100770 reported $28,338 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.
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Renewal calendar
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