Form 5500 · Employee benefit plan · PLEASANTON, CA
THE PERMANENTE MEDICAL GROUP, INC.
The filing calls this plan THE PERMANENTE MEDICAL GROUP, INC. PHYSICIANS' WELFARE BENEFIT PLAN FOR ACTIVE PHYSICIANS.
THE PERMANENTE MEDICAL GROUP, INC. of PLEASANTON, CA files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is THE PARTNERS GROUP LTD. Coverage is written through KAISER FOUNDATION HEALTH PLAN, INC. and 8 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 94-2728480 · plan 606 · plan year 2025, filed Aug 21, 2026
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5,257 other employer plans in California have policy years ending in December. 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: 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 KAISER FOUNDATION HEALTH PLAN, INC., covers 10,110 people.
Reported premium across the insured contracts is $391,450,868, with $4,484,125 in disclosed broker commissions — about 1.1% 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.
THE PARTNERS GROUP LTD is the broker of record on 4 of the 10 contracts; the rest name a different broker or none.
9 carriers appear on the filing, including KAISER FOUNDATION HEALTH PLAN, INC., STANDARD INSURANCE COMPANY, METROPOLITAN LIFE INSURANCE COMPANY and UNUM LIFE INSURANCE COMPANY OF AMERICA. KAISER FOUNDATION HEALTH PLAN, INC. writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| STANDARD INSURANCE COMPANY | Disability | 8,725 | Jan 1, 2026 | $42,232,052 | $1,689,282 |
| PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | Disability | 1,629 | Jan 1, 2026 | $4,518,892 | $1,083,920 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | — | 10,349 | Jan 1, 2026 | $8,150,805 | $811,669 |
| STANDARD INSURANCE COMPANY | Life | 11,665 | Jan 1, 2026 | $24,717,153 | $661,136 |
| METROPOLITAN LIFE INSURANCE COMPANY | Health, Dental | 27,744 | Jan 1, 2026 | $20,510,352 | $204,813 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health | 33,047 | Jan 1, 2026 | $2,163,689 | $32,870 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | — | 56 | Jan 1, 2026 | $2,898 | $435 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health, Vision | 10,110 | Jan 1, 2026 | $288,099,092 | $0 |
| ARAG INSURANCE COMPANY | — | 8,746 | Jan 1, 2026 | $921,580 | $0 |
| SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | Health, Dental | 845 | Jan 1, 2026 | $134,355 | $0 |
Premium and claims on these contracts
STANDARD INSURANCE COMPANY, contract 759042-B. For the contract year on this filing, the carrier reported $42,232,052 in premium earned and $41,158,651 in claims incurred. Dividing one by the other gives 97%.
STANDARD INSURANCE COMPANY, contract 759042-A. For the contract year on this filing, the carrier reported $24,717,153 in premium earned and $16,084,113 in claims incurred. Dividing one by the other gives 65%.
CIGNA HEALTH AND LIFE INSURANCE COMPANY, contract 3332530. For the contract year on this filing, the carrier reported $2,163,689 in premium earned and $155,753 in claims incurred. Dividing one by the other gives 7%.
- STANDARD INSURANCE COMPANY, contract 759042-B reported $8,235,250 in retention.
- STANDARD INSURANCE COMPANY, contract 759042-A reported $8,633,040 in retention.
- CIGNA HEALTH AND LIFE INSURANCE COMPANY, contract 3332530 reported $2,164,597 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.
Reported to OSHA
Reported to OSHA for 2025: 40,558 employees, 1,351 recordable cases, 2,455 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
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