Form 5500 · Employee benefit plan · CARLSBAD, CA
SOUND UNITED
The filing calls this plan SOUND UNITED WELFARE BENEFITS PLAN.
Public Form 5500 records show how SOUND UNITED of CARLSBAD, CA, a manufacturing employer, structures its employee benefits. Its broker of record is CENTENNIAL GROUP BENEFITS & INS SVC. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 7 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 65-0964171 · plan 502 · plan year 2025, filed Aug 27, 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: prepaid legal, 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 10 insured contracts covering health, dental, vision, life and disability; the largest, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 242 people.
Reported premium across the insured contracts is $1,066,734, with $34,590 in disclosed broker commissions — about 3.2% 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.
CENTENNIAL GROUP BENEFITS & INS SVC is the broker of record on 6 of the 10 contracts; the rest name a different broker or none.
8 carriers appear on the filing, including CIGNA HEALTH AND LIFE INSURANCE COMPANY, DELTA DENTAL OF CALIFORNIA, CIGNA HEALTHCARE OF CALIFORNIA and UNITED OF OMAHA LIFE INSURANCE COMPANY. CIGNA HEALTH AND LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| DELTA DENTAL OF CALIFORNIA | Dental | 384 | Jan 1, 2026 | $205,226 | $20,523 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life | 203 | Jan 1, 2026 | $78,703 | $3,935 |
| KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | Health | 13 | Jan 1, 2026 | $68,665 | $3,272 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 204 | Jan 1, 2026 | $40,856 | $2,043 |
| AFLAC | — | 8 | Jan 1, 2026 | $11,551 | $1,943 |
| VISION SERVICE PLAN | Vision | 171 | Jan 1, 2026 | $22,497 | $1,190 |
| METROPOLITAN GENERAL INSURANCE COMPANY | — | 33 | Jan 1, 2026 | $10,038 | $1,004 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life | 19 | Jan 1, 2026 | $13,607 | $680 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health | 242 | Jan 1, 2026 | $455,900 | $0 |
| CIGNA HEALTHCARE OF CALIFORNIA | Health | 82 | Jan 1, 2026 | $159,691 | $0 |
Premium and claims on this contract
CIGNA HEALTH AND LIFE INSURANCE COMPANY, contract 3346885. For the contract year on this filing, the carrier reported $455,900 in premium earned and $843,588 in claims incurred. Dividing one by the other gives 185%.
- CIGNA HEALTH AND LIFE INSURANCE COMPANY, contract 3346885 reported $57,731 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.
How this plan compares
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