Form 5500 · Employee benefit plan · OAKLAND, CA
THE PERMANENTE MEDICAL GROUP, INC
The filing calls this plan THE PERMANENTE MEDICAL GROUP INC. HEALTH AND WELFARE PLAN.
THE PERMANENTE MEDICAL GROUP, INC of OAKLAND, CA insures health, dental, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is MERCER HEALTH & BENEFITS ADMIN LLC. Coverage is written through KAISER FOUNDATION HEALTH PLAN, INC. and 6 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 94-2728480 · plan 550 · plan year 2024, filed Oct 10, 2025
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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
6 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
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 14 insured contracts covering health, dental, life and disability; the largest, with KAISER FOUNDATION HEALTH PLAN, INC., covers 95,456 people.
The filing declares health, dental, life, disability and vision. Vision appears with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on one of the 6 contracts here that do not say what they cover.
Reported premium across the insured contracts is $1,073,482,430, with $759,433 in disclosed broker commissions — about 0.1% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in May. The plan is on a split renewal cycle.
MERCER HEALTH & BENEFITS ADMIN LLC is the broker of record on 2 of the 14 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| CONTINENTAL AMERICAN INSURANCE COMPANY | — | 2,600 | Jun 1, 2024 | $756,930 | $263,409 |
| METROPOLITAN LIFE INSURANCE COMPANY | Life | 7,775 | Jul 1, 2024 | $1,954,109 | $192,574 |
| TRANSAMERICA LIFE INSURANCE COMPANY | — | 702 | Jan 1, 2025 | $1,257,910 | $152,595 |
| TRANSAMERICA LIFE INSURANCE COMPANY | — | 373 | Jan 1, 2025 | $592,122 | $86,384 |
| METLIFE LEGAL PLANS | — | 2,979 | Jun 1, 2024 | $755,584 | $64,471 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 95,456 | Jan 1, 2025 | $833,809,840 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 22,569 | Jan 1, 2025 | $176,208,809 | $0 |
| DELTA DENTAL OF CALIFORNIA | Dental | 114,947 | Jan 1, 2025 | $38,590,259 | $0 |
| METROPOLITAN LIFE INSURANCE COMPANY | Disability | 51,893 | Jan 1, 2025 | $11,391,289 | $0 |
| METROPOLITAN LIFE INSURANCE COMPANY | Life | 30,566 | Jan 1, 2025 | $4,101,834 | $0 |
| METROPOLITAN LIFE INSURANCE COMPANY | Life | 19,803 | Jan 1, 2025 | $3,976,449 | $0 |
| ACENTRA HEALTH | — | 41,372 | Jan 1, 2025 | $79,434 | $0 |
| METROPOLITAN LIFE INSURANCE COMPANY | — | 19,555 | Jan 1, 2025 | $6,671 | $0 |
| DELTA DENTAL OF CALIFORNIA | Dental | 6 | Jan 1, 2025 | $1,190 | $0 |
Premium and claims on these contracts
DELTA DENTAL OF CALIFORNIA, contract 5454. For the contract year on this filing, the carrier reported $38,590,259 in premium earned and $48,838,152 in claims incurred. Dividing one by the other gives 127%.
METROPOLITAN LIFE INSURANCE COMPANY, contract 140310. For the contract year on this filing, the carrier reported $4,101,834 in premium earned and $3,338,025 in claims incurred. Dividing one by the other gives 81%.
METROPOLITAN LIFE INSURANCE COMPANY, contract 140410. For the contract year on this filing, the carrier reported $3,976,449 in premium earned and $2,994,173 in claims incurred. Dividing one by the other gives 75%.
- DELTA DENTAL OF CALIFORNIA, contract 5454 reported $3,278,563 in retention.
- METROPOLITAN LIFE INSURANCE COMPANY, contract 140310 reported $763,810 in retention.
- METROPOLITAN LIFE INSURANCE COMPANY, contract 140410 reported $982,277 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.
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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