Form 5500 · Employee benefit plan · SANTEE, CA
RONALD COHN, INC.
The filing calls this plan SPROUTS FARMERS MARKET FLEXIBLE BENEFITS PLAN.
RONALD COHN, INC. of SANTEE, CA insures health, dental, vision and life coverage for its employees, per Schedule A of its Form 5500. Its broker of record is MERCER HEALTH AND BENEFITS, LLC. Coverage is written through UNITEDHEALTHCARE INSURANCE COMPANY and 1 other carrier. The plan's most recent policy period ended in May.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 33-0404160 · plan 520 · plan year 2024, filed Jul 25, 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
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 3 insured contracts covering health, dental, vision and life; the largest, with UNITEDHEALTHCARE INSURANCE COMPANY, covers 152 people.
Reported premium across the insured contracts is $819,726, with $15,561 in disclosed broker commissions — about 1.9% of premium.
The most recent policy period ended in May, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
MERCER HEALTH AND BENEFITS, LLC is the broker of record on 2 of the 3 contracts; the rest name a different broker or none.
Two carriers split the book: UNITEDHEALTHCARE INSURANCE COMPANY and SIMNSA.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| SIMNSA | Health | 44 | Jun 1, 2024 | $96,651 | $6,766 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Health, Dental, Vision | 152 | Jun 1, 2024 | $704,271 | $5,047 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Life | 209 | Jun 1, 2024 | $18,804 | $3,748 |
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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