Form 5500 · Employee benefit plan · SAN FRANCISCO, CA
RIPPLING PEO 1, INC.
The filing calls this plan RIPPLING PEO HEALTH & WELFARE PLAN.
RIPPLING PEO 1, INC. of SAN FRANCISCO, CA is a 43,065-participant administrative and support services employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Its broker of record is SPECIALTY PROGRAM GROUP LLC. Coverage is written through AETNA LIFE INSURANCE COMPANY and 9 other carriers. The plan's most recent policy period ended in November.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 84-2377513 · plan 501 · plan year 2025, filed Sep 4, 2026
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364 other employer plans in California have policy years ending in November. 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.
Benefits declared on this filing
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 20 insured contracts covering health, dental, vision, life and disability; the largest, with AETNA LIFE INSURANCE COMPANY, covers 82,691 people.
Reported premium across the insured contracts is $503,933,865, with $24,467,842 in disclosed broker commissions — about 4.9% of premium.
The health contract's policy period ended in November, while at least one ancillary line's policy period ended in December. The plan is on a split renewal cycle.
SPECIALTY PROGRAM GROUP LLC is the broker of record on 15 of the 20 contracts; the rest name a different broker or none.
10 carriers appear on the filing, including AETNA LIFE INSURANCE COMPANY, THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA, KAISER FOUNDATION HEALTH PLAN, INC. and UNITEDHEALTHCARE INSURANCE COMPANY. AETNA LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY | Health | 82,691 | Dec 1, 2025 | $358,283,742 | $9,437,694 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental, Vision, Life, Disability | 23,840 | Dec 1, 2025 | $27,802,669 | $4,847,330 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental, Vision, Life, Disability | 18,892 | Dec 1, 2025 | $24,136,496 | $4,241,791 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental, Vision, Life, Disability | 9,388 | Dec 1, 2025 | $13,015,667 | $2,271,755 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental, Vision, Life, Disability | 8,325 | Dec 1, 2025 | $10,946,238 | $1,952,523 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 5,106 | Dec 1, 2025 | $25,634,570 | $498,173 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Health | 3,913 | Dec 1, 2025 | $16,293,328 | $325,867 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental, Vision, Life, Disability | 1,106 | Dec 1, 2025 | $1,546,945 | $278,048 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 2,622 | Dec 1, 2025 | $12,463,545 | $238,583 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental, Vision, Life, Disability | 281 | Dec 1, 2025 | $527,805 | $98,799 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Disability | 5,291 | Jan 1, 2025 | $2,157,005 | $53,388 |
| AETNA HEALTH, INC. | Health | 552 | Dec 1, 2025 | $2,718,287 | $53,119 |
| KAISER FOUNDATION HEALTH PLAN OF COLORADO | Health | 352 | Dec 1, 2025 | $2,303,197 | $45,280 |
| KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | Health | 275 | Dec 1, 2025 | $1,542,918 | $33,905 |
| KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | Health | 222 | Jan 1, 2025 | $1,324,597 | $28,709 |
| KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | Health | 248 | Dec 1, 2025 | $1,240,208 | $22,028 |
| KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | Health | 153 | Dec 1, 2025 | $1,005,372 | $19,402 |
| KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | Health | 147 | Dec 1, 2025 | $873,810 | $17,012 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Disability | 56 | Jan 1, 2025 | $13,019 | $2,628 |
| KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | Health | 28 | Dec 1, 2025 | $104,447 | $1,808 |
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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