Form 5500 · Employee benefit plan · DUBLIN, CA
TRINET HR IV, LLC
The filing calls this plan TRINET HR IV, LLC EMPLOYEE BENEFIT PLAN.
TRINET HR IV, LLC of DUBLIN, CA insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is NFP CORPORATE SERVICES (NY) LLC. Coverage is written through UNITEDHEALTHCARE INSURANCE COMPANY and 8 other carriers. The plan's most recent policy period ended in September.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 13-3867443 · plan 501 · plan year 2025, filed Jul 14, 2026
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314 other employer plans in California have policy years ending in September. 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 20 insured contracts covering health, dental, vision, life and disability; the largest, with UNITEDHEALTHCARE INSURANCE COMPANY, covers 18,820 people.
Reported premium across the insured contracts is $86,843,698, with $600 in disclosed broker commissions — about 0% of premium.
The most recent policy period ended in September, and the plan year ends September 30. Group contracts typically renew on that annual cycle.
NFP CORPORATE SERVICES (NY) LLC is the broker of record on 1 of the 20 contracts; the rest name a different broker or none.
9 carriers appear on the filing, including UNITEDHEALTHCARE INSURANCE COMPANY, METROPOLITAN LIFE INSURANCE COMPANY, DELTA DENTAL INSURANCE COMPANY and DENTEGRA INSURANCE COMPANY. UNITEDHEALTHCARE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HARTFORD FIRE INSURANCE COMPANY | — | 174 | Oct 1, 2025 | $4,000 | $600 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Health | 18,820 | Oct 1, 2025 | $30,110,081 | $0 |
| METROPOLITAN LIFE INSURANCE COMPANY | Dental | 30,428 | Oct 1, 2025 | $20,960,733 | $0 |
| METROPOLITAN LIFE INSURANCE COMPANY | Life | 21,291 | Oct 1, 2025 | $9,876,931 | $0 |
| METROPOLITAN LIFE INSURANCE COMPANY | Disability | 17,041 | Oct 1, 2025 | $6,335,917 | $0 |
| DELTA DENTAL INSURANCE COMPANY | Dental | 8,459 | Oct 1, 2025 | $4,020,177 | $0 |
| DENTEGRA INSURANCE COMPANY | Dental | 6,937 | Oct 1, 2025 | $3,300,017 | $0 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Health | 2,232 | Oct 1, 2025 | $3,275,770 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 335 | Oct 1, 2025 | $2,893,168 | $0 |
| VISION SERVICE PLAN | Vision | 11,964 | Oct 1, 2025 | $2,535,808 | $0 |
| METROPOLITAN LIFE INSURANCE COMPANY | Disability | 3,452 | Oct 1, 2025 | $1,040,668 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 122 | Oct 1, 2025 | $744,596 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 68 | Oct 1, 2025 | $670,869 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 69 | Oct 1, 2025 | $440,703 | $0 |
| DENTEGRA INSURANCE COMPANY | Dental | 342 | Oct 1, 2025 | $211,085 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 40 | Oct 1, 2025 | $150,044 | $0 |
| AETNA LIFE INSURANCE COMPANY | Vision | 11,665 | Oct 1, 2025 | $94,665 | $0 |
| METROPOLITAN LIFE INSURANCE COMPANY | Life | 861 | Oct 1, 2025 | $72,006 | $0 |
| FEI BEHAVIORAL HEALTH | — | 25,555 | Oct 1, 2025 | $66,435 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 4 | Oct 1, 2025 | $40,025 | $0 |
Premium and claims on these contracts
UNITEDHEALTHCARE INSURANCE COMPANY, contract 0184514. For the contract year on this filing, the carrier reported $30,110,081 in premium earned and $12,088,358 in claims incurred. Dividing one by the other gives 40%.
METROPOLITAN LIFE INSURANCE COMPANY, contract 0235628. For the contract year on this filing, the carrier reported $20,960,733 in premium earned and $19,408,451 in claims incurred. Dividing one by the other gives 93%.
DELTA DENTAL INSURANCE COMPANY, contract 21387. For the contract year on this filing, the carrier reported $4,020,177 in premium earned and $3,649,256 in claims incurred. Dividing one by the other gives 91%.
DENTEGRA INSURANCE COMPANY, contract 21385. For the contract year on this filing, the carrier reported $3,300,017 in premium earned and $2,940,611 in claims incurred. Dividing one by the other gives 89%.
UNITEDHEALTHCARE INSURANCE COMPANY, contract 0911528. For the contract year on this filing, the carrier reported $3,275,770 in premium earned and $757,265 in claims incurred. Dividing one by the other gives 23%.
DENTEGRA INSURANCE COMPANY, contract 21386. For the contract year on this filing, the carrier reported $211,085 in premium earned and $155,851 in claims incurred. Dividing one by the other gives 74%.
AETNA LIFE INSURANCE COMPANY, contract 0107463. For the contract year on this filing, the carrier reported $94,665 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
- UNITEDHEALTHCARE INSURANCE COMPANY, contract 0184514 reported $20,350,114 in retention.
- METROPOLITAN LIFE INSURANCE COMPANY, contract 0235628 reported $1,510,726 in retention.
- DELTA DENTAL INSURANCE COMPANY, contract 21387 reported $411,297 in retention.
- DENTEGRA INSURANCE COMPANY, contract 21385 reported $337,662 in retention.
- UNITEDHEALTHCARE INSURANCE COMPANY, contract 0911528 reported $2,235,162 in retention.
- DENTEGRA INSURANCE COMPANY, contract 21386 reported $21,557 in retention.
- AETNA LIFE INSURANCE COMPANY, contract 0107463 reported $94,665 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.
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