Form 5500 · Employee benefit plan · SAN FRANCISCO, CA
PAR APPAREL LLC
The filing calls this plan P.A.R. APPAREL LLC HEALTH AND WELFARE PLAN.
PAR APPAREL LLC of SAN FRANCISCO, CA is a 242-participant manufacturing employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is WILLIS INSURANCE SVCS OF CALIFORNIA. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 5 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 99-4435852 · plan 501 · plan year 2025, filed Jul 21, 2026
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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
Also declared: 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 12 insured contracts covering health, dental, vision, life and disability.
Reported premium across the insured contracts is $1,927,904, with $64,096 in disclosed broker commissions — about 3.3% 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.
WILLIS INSURANCE SVCS OF CALIFORNIA is the broker of record on 2 of the 12 contracts; the rest name a different broker or none.
6 carriers appear on the filing, including CIGNA HEALTH AND LIFE INSURANCE COMPANY, KAISER FOUNDATION HEALTH PLAN, INC., LIFE INSURANCE COMPANY OF NORTH AMERICA and VISION SERVICE PLAN. CIGNA HEALTH AND LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 70 | Jan 1, 2026 | $758,353 | $21,891 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health | 49 | Jan 1, 2026 | $761,090 | $20,468 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 15 | Jan 1, 2026 | $175,674 | $5,063 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Life | 204 | Jan 1, 2026 | $107,264 | $4,609 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 204 | Jan 1, 2026 | $51,649 | $3,517 |
| CIGNA HEALTHCARE OF CALIFORNIA | Health | 111 | Jan 1, 2026 | $6,413 | $3,139 |
| DELTA DENTAL OF CALIFORNIA | Dental | 70 | Jan 1, 2026 | $16,639 | $1,673 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | 30 | Jan 1, 2026 | $9,442 | $1,451 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | 19 | Jan 1, 2026 | $7,023 | $1,065 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | — | 204 | Jan 1, 2026 | $5,267 | $632 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | 25 | Jan 1, 2026 | $3,790 | $588 |
| VISION SERVICE PLAN | Vision | 158 | Jan 1, 2026 | $25,300 | $0 |
Premium and claims on these contracts
CIGNA HEALTH AND LIFE INSURANCE COMPANY, contract 2499336,3209628. For the contract year on this filing, the carrier reported $260,725 in premium earned and $303,794 in claims incurred. Dividing one by the other gives 117%.
CIGNA HEALTHCARE OF CALIFORNIA, contract 2499336,3209628. For the contract year on this filing, the carrier reported $6,413 in premium earned and $-136,718 in claims incurred. Dividing one by the other gives -2132%.
- CIGNA HEALTH AND LIFE INSURANCE COMPANY, contract 2499336,3209628 reported $87,864 in retention.
- CIGNA HEALTHCARE OF CALIFORNIA, contract 2499336,3209628 reported $6,413 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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