Form 5500 · Employee benefit plan · LOS ANGELES, CA
UNIVERSITY OF SOUTHERN CALIFORNIA
The filing calls this plan UNIVERSITY OF SOUTHERN CALIFORNIA INSURED GROUP PLAN.
UNIVERSITY OF SOUTHERN CALIFORNIA of LOS ANGELES, CA is a 23,634-participant education employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Its broker of record is COTTINGHAM & BUTLER INSURANCE SERVI. Coverage is written through BLUE CROSS OF CALIFORNIA and 7 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 95-1642394 · plan 521 · plan year 2024, filed Oct 13, 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
Dental: UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. covers 1,327 of 23,634 participants (5.6%) on Schedule A.
3 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
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 11 insured contracts covering health, dental and life.
The filing declares health, dental, life 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 3 contracts here that do not say what they cover.
Reported premium across the insured contracts is $114,000,685, with $1,646,383 in disclosed broker commissions — about 1.4% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in August. The plan is on a split renewal cycle.
COTTINGHAM & BUTLER INSURANCE SERVI is the broker of record on 6 of the 11 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY | Life | 30,602 | Jan 1, 2025 | $6,538,970 | $570,452 |
| METROPOLITAN LIFE INSURANCE COMPANY | Health | 9,802 | Jan 1, 2025 | $2,890,942 | $567,541 |
| METROPOLITAN LIFE INSURANCE COMPANY | Health | 12,283 | Jan 1, 2025 | $1,275,942 | $250,185 |
| METROPOLITAN LIFE INSURANCE COMPANY | Health | 5,546 | Jan 1, 2025 | $1,214,752 | $238,870 |
| ACE AMERICAN INSURANCE COMPANY | Life | 41,487 | Jan 1, 2025 | $19,335 | $19,335 |
| BLUE CROSS OF CALIFORNIA | Health | 4,152 | Jan 1, 2025 | $52,706,474 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 5,712 | Jan 1, 2025 | $46,165,408 | $0 |
| JOHN HANCOCK LIFE INSURANCE COMPANY | — | 773 | Jan 1, 2025 | $1,846,934 | $0 |
| METLIFE LEGAL PLANS | — | 5,316 | Sep 1, 2024 | $670,184 | $0 |
| UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | Dental | 1,327 | Jan 1, 2025 | $338,913 | $0 |
| METROPOLITAN GENERAL INSURANCE COMPANY | — | 5,285 | Jan 1, 2025 | $332,831 | $0 |
Premium and claims on this contract
UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC., contract 740385. For the contract year on this filing, the carrier reported $338,913 in premium earned and $114,975 in claims incurred. Dividing one by the other gives 34%.
- UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC., contract 740385 reported $118,179 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: 1,805 employees, 72 recordable cases, 972 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
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