Form 5500 · Employee benefit plan · MODESTO, CA
REED FAMILY COMPANIES
The filing calls this plan WESTERN REGIONAL EMPLOYEE WELFARE BENEFITS PLAN.
REED FAMILY COMPANIES of MODESTO, CA is a 553-participant construction employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is WOODRUFF-SAWYER & COMPANY. Coverage is written through KAISER FOUNDATION HEALTH PLAN, INC. and 3 other carriers. The plan's most recent policy period ended in March.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 94-2208599 · plan 501 · plan year 2024, filed Oct 1, 2025
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305 other employer plans in California have policy years ending in March. 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 plan's own financial statement reports paying insurance carriers about what the insurance contracts report in premium.
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
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: 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 7 insured contracts covering health, life, disability and stop-loss; the largest, with KAISER FOUNDATION HEALTH PLAN, INC., covers 454 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 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 $4,188,627, with $304,482 in disclosed broker commissions — about 7.3% of premium.
The health contract's policy period ended in March, while at least one ancillary line's policy period ended in December. The plan is on a split renewal cycle.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Stop-loss | 336 | Jan 1, 2025 | $1,407,111 | $133,160 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 454 | Apr 1, 2025 | $2,189,893 | $109,048 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Life | 534 | Apr 1, 2025 | $199,132 | $22,406 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 534 | Apr 1, 2025 | $139,877 | $15,685 |
| SUN LIFE ASSURANCE COMPANY OF CANADA | — | 138 | Jan 1, 2025 | $94,926 | $14,319 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 22 | Apr 1, 2025 | $129,098 | $6,642 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | — | 534 | Apr 1, 2025 | $28,590 | $3,222 |
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.
Money the plan held and paid out
Sourced from U.S. DOL EFAST2 Form 5500 · Schedule H
These are the plan's own figures from Schedule H, the financial statement it files. They are not the premium on Schedule A.
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