Form 5500 · Employee benefit plan · SANTA ANA, CA
SPRUCE GROVE, INC.
The filing calls this plan SPRUCE GROVE, INC. HEALTH AND WELFARE PLAN.
Public Form 5500 records show how SPRUCE GROVE, INC. of SANTA ANA, CA, a real estate employer, structures its employee benefits. Its broker of record is DRIVER ALLIANT INSURANCE SERVICES. Coverage is written through AETNA HEALTH OF CALIFORNIA INC. and 3 other carriers. The plan's most recent policy period ended in April.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 95-2305652 · plan 501 · plan year 2025, filed Oct 7, 2025
Get an email when this employer files a new Form 5500, and again about four months before its plan renews.
213 other employer plans in California have policy years ending in April. 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, 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 4 insured contracts covering health, dental, vision, life and disability; the largest, with AETNA HEALTH OF CALIFORNIA INC., covers 132 people.
Reported premium across the insured contracts is $1,549,184, with $92,796 in disclosed broker commissions — about 6% of premium.
The most recent policy period ended in April, and the plan year ends April 30. Group contracts typically renew on that annual cycle.
DRIVER ALLIANT INSURANCE SERVICES is the broker of record on 2 of the 4 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including AETNA HEALTH OF CALIFORNIA INC., AETNA LIFE INSURANCE COMPANY, UNUM LIFE INSURANCE COMPANY OF AMERICA and UNUM INSURANCE COMPANY. AETNA HEALTH OF CALIFORNIA INC. writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| AETNA HEALTH OF CALIFORNIA INC. | Health | 132 | May 1, 2025 | $1,099,346 | $55,737 |
| AETNA LIFE INSURANCE COMPANY | Health, Dental, Vision | 227 | May 1, 2025 | $373,216 | $26,835 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 336 | May 1, 2025 | $53,541 | $7,771 |
| UNUM INSURANCE COMPANY | — | 50 | May 1, 2025 | $23,081 | $2,453 |
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.
Other plans filed by this employer
How this plan compares
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Renewal calendar
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