Form 5500 · Employee benefit plan · REDWOOD CITY, CA
ORACLE AMERICA, INC.
The filing calls this plan ORACLE FLEXIBLE BENEFITS PLAN.
ORACLE AMERICA, INC. of REDWOOD CITY, CA is a 59,281-participant professional services employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is WILLIS TOWERS WATSON. Coverage is written through METROPOLITAN LIFE INSURANCE COMPANY and 9 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 94-2805249 · plan 501 · plan year 2025, filed Jun 24, 2026
Get an email when this employer files a new Form 5500, and again about four months before its plan renews.
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
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 6 insured health contracts, with KAISER CALIFORNIA, covers 2,063 of 59,281 participants (3.5%) on Schedule A.
One contract on this filing does not say which benefits it covers, so a line above may be insured by it.
Also declared: death benefits.
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 11 insured contracts covering health, life, disability and stop-loss; the largest, with METROPOLITAN LIFE INSURANCE COMPANY, covers 54,228 people.
The filing declares health, life, disability, dental and vision. Dental and vision appear 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 the contract here that does not say what it covers.
The medical plan carries stop-loss coverage: the filing reports the plan paying its own health claims, with insured protection against large ones.
Reported premium across the insured contracts is $173,224,335, with $821,437 in disclosed broker commissions — about 0.5% 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 |
|---|---|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY | Life | 54,228 | Jan 1, 2026 | $68,685,240 | $730,237 |
| HARTFORD LIFE AND ACCIDENT | Disability | 54,228 | Jan 1, 2026 | $33,219,473 | $91,200 |
| KAISER CALIFORNIA | Health | 2,063 | Jan 1, 2026 | $47,608,600 | $0 |
| VOYA RETIREMENT INSURANCE AND ANNUITY COMPANY | Stop-loss | 49,062 | Jan 1, 2026 | $14,188,134 | $0 |
| KAISER COLORADO | Health | 205 | Jan 1, 2026 | $4,720,108 | $0 |
| KAISER MID ATLANTIC | Health | 157 | Jan 1, 2026 | $2,127,080 | $0 |
| KAISER HEALTH PLAN OF THE NORTHWEST | Health | 82 | Jan 1, 2026 | $1,476,579 | $0 |
| KAISER GEORGIA | Health | 34 | Jan 1, 2026 | $704,598 | $0 |
| KAISER WASHINGTON STATE | Health | 40 | Jan 1, 2026 | $481,047 | $0 |
| HARTFORD LIFE AND ACCIDENT | Disability | 30 | Jan 1, 2026 | $13,476 | $0 |
| NEW YORK LIFE INSURANCE COMPANY | — | 54,228 | Jan 1, 2026 | — | $0 |
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.
Other plans filed by this employer
How this plan compares
Subscribers see how this compares with similar plans in California. A subscription also adds this plan's filing history and the renewal calendar for its state. See plans and prices
Without an account you can open 10 employer, broker and carrier pages a day, including through an AI assistant, and 50 a day with a free account. Paid plans are what keep these records free to read.
Renewal calendar
5,257 other employer plans in California are January 1 renewals (policy year ends December).
Their policy years end in December, like this plan’s, so most renew January 1. The calendar lists every insured group by renewal date and state, with broker of record, carrier and disclosed commission. You can preview the five largest in each month for free.
Claude & ChatGPT
Look up records from Claude or ChatGPT
Add Form5500Lookup to Claude or ChatGPT and ask about any employer, broker or carrier in plain English. Lookups are free. Renewal lists, full books of business and exports are included with a subscription.
Building a list or a tool from these records? Match a list you already have from $29 per 1,000 records, or license the whole dataset as a weekly file for $499 a month. See both
More employer plans in California — largest plans, brokers, carriers and renewal months.