Form 5500 · Employee benefit plan · SACRAMENTO, CA
RAY STONE INCORPORATED
The filing calls this plan RAY STONE INCORPORATED WELFARE BENEFITS PLAN.
RAY STONE INCORPORATED of SACRAMENTO, CA files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is ROBERT PAUL SBISA. Coverage is written through GROUP INSURANCE TRUST OF THE CALIFORNIA SOCIETY OF CPAS and 3 other carriers. The plan's most recent policy period ended in June.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 94-1736828 · plan 501 · plan year 2025, filed Dec 15, 2025
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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
One contract on this filing does not say which benefits it covers, so a line above may be insured by it.
Also declared: 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 6 insured contracts covering health, vision, life and disability; the largest, with GROUP INSURANCE TRUST OF THE CALIFORNIA SOCIETY OF CPAS, covers 106 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 the contract here that does not say what it covers.
Reported premium across the insured contracts is $1,448,361, with $74,895 in disclosed broker commissions — about 5.2% of premium.
The most recent policy period ended in June, and the plan year ends June 30. Group contracts typically renew on that annual cycle.
ROBERT PAUL SBISA is the broker of record on 1 of the 6 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| GROUP INSURANCE TRUST OF THE CALIFORNIA SOCIETY OF CPAS | Health | 106 | Jul 1, 2025 | $1,396,846 | $68,705 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 68 | Jul 1, 2025 | $16,059 | $2,409 |
| EYEMED VISION CARE | Vision | 110 | Jul 1, 2025 | $12,850 | $1,285 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 24 | Jul 1, 2025 | $8,336 | $1,250 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 157 | Jul 1, 2025 | $10,452 | $1,246 |
| SUTTER EAP | — | 175 | Jul 1, 2025 | $3,818 | $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.
Other plans filed by this employer
How this plan compares
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