Form 5500 · Employee benefit plan · FREMONT, CA
TARC CONSTRUCTION, INC.
The filing calls this plan TARC CONSTRUCTION, INC. HEALTH & WELFARE BENEFIT PLAN.
Public Form 5500 records show how TARC CONSTRUCTION, INC. of FREMONT, CA, a construction employer, structures its employee benefits. Its broker of record is IMA, INC.. Coverage is written through CALIFORNIACHOICE and 3 other carriers. The plan's most recent policy period ended in September.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 37-1451992 · plan 501 · plan year 2025, filed Apr 30, 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: 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 5 insured contracts covering health, dental, vision and life; the largest, with CALIFORNIACHOICE, covers 56 people.
Reported premium across the insured contracts is $762,153, with $44,006 in disclosed broker commissions — about 5.8% of premium.
The health contract's policy period ended in September, while at least one ancillary line's policy period ended in January. The plan is on a split renewal cycle.
IMA, INC. is the broker of record on 4 of the 5 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including CALIFORNIACHOICE, BLUE CROSS BLUE SHIELD OF ARIZONA, CHOICEBUILDER and PRINCIPAL LIFE INSURANCE COMPANY. CALIFORNIACHOICE writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| CALIFORNIACHOICE | Health | 56 | Oct 1, 2025 | $566,618 | $28,331 |
| CHOICEBUILDER | Dental, Vision | 79 | Feb 1, 2025 | $69,130 | $9,872 |
| BLUE CROSS BLUE SHIELD OF ARIZONA | Health | 18 | Oct 1, 2025 | $116,822 | $4,860 |
| PRINCIPAL LIFE INSURANCE COMPANY | Life | 85 | Apr 1, 2025 | $6,643 | $663 |
| PRINCIPAL LIFE INSURANCE COMPANY | Life | 81 | Oct 1, 2025 | $2,940 | $280 |
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.
Reported to OSHA
Reported to OSHA for 2025: 98 employees, 8 recordable cases, 3 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
How this plan compares
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