Form 5500 · Employee benefit plan · MONROVIA, CA
TRADER JOE'S COMPANY
The filing calls this plan TRADER JOE'S COMPANY GROUP HEALTH PLAN.
TRADER JOE'S COMPANY of MONROVIA, CA spreads its employee benefits across 6 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is AON RISK SERVICES CENTRAL INC. Coverage is written through CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) and 5 other carriers. The plan's most recent policy period ended in June.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 95-1987958 · plan 504 · plan year 2025, filed Mar 25, 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: 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 CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA), covers 56,818 people.
Reported premium is $463,565,689; the filing discloses no broker commission on these contracts.
The most recent policy period ended in June, and the plan year ends June 30. Group contracts typically renew on that annual cycle.
AON RISK SERVICES CENTRAL INC is the broker of record on 1 of the 10 contracts; the rest name a different broker or none.
6 carriers appear on the filing, including CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA), DELTA DENTAL OF CALIFORNIA, HARTFORD LIFE AND ACCIDENT and STANDARD INSURANCE COMPANY. CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) | Health | 56,818 | Jul 1, 2025 | $428,867,541 | $0 |
| DELTA DENTAL OF CALIFORNIA | Dental | 66,099 | Jul 1, 2025 | $18,397,259 | $0 |
| HARTFORD LIFE AND ACCIDENT | Disability | 38,466 | Jul 1, 2025 | $8,229,416 | $0 |
| STANDARD INSURANCE COMPANY | Life | 22,288 | Jul 1, 2025 | $4,627,926 | $0 |
| EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | Vision | 65,595 | Jul 1, 2025 | $2,514,626 | $0 |
| COMPSYCH CORPORATION | — | 66,164 | Jul 1, 2025 | $907,560 | $0 |
| EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | Vision | 289 | Jul 1, 2025 | $14,070 | $0 |
| EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | Vision | 182 | Jul 1, 2025 | $6,071 | $0 |
| EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | Vision | 22 | Jul 1, 2025 | $829 | $0 |
| EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | Vision | 10 | Jul 1, 2025 | $391 | $0 |
Premium and claims on these contracts
DELTA DENTAL OF CALIFORNIA, contract 02437. For the contract year on this filing, the carrier reported $18,397,259 in premium earned and $18,026,066 in claims incurred. Dividing one by the other gives 98%.
STANDARD INSURANCE COMPANY, contract 758151. For the contract year on this filing, the carrier reported $4,627,926 in premium earned and $1,218,180 in claims incurred. Dividing one by the other gives 26%.
- DELTA DENTAL OF CALIFORNIA, contract 02437 reported $1,776,125 in retention.
- STANDARD INSURANCE COMPANY, contract 758151 reported $3,409,748 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: 33,277 employees, 2,955 recordable cases, 100,289 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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