Form 5500 · Employee benefit plan · LOS ANGELES, CA
VCA INC.
The filing calls this plan VCA INC. HEALTH & WELFARE PLAN.
VCA INC. of LOS ANGELES, CA is a 29,615-participant professional services employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Its broker of record is WILLIS TOWERS WATSON US LLC. Coverage is written through KAISER FOUNDATION HEALTH PLAN, INC. and 12 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 95-4817565 · plan 501 · 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
Both, as reported
The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
Health: the largest of the 9 insured health contracts, with KAISER FOUNDATION HEALTH PLAN, INC., covers 2,021 of 29,615 participants (6.8%) on Schedule A.
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 16 insured contracts covering health, dental, vision, life, disability and stop-loss.
The medical plan carries stop-loss coverage: the filing reports the plan paying its own health claims, with insured protection against large ones.
Reported premium across the insured contracts is $55,890,044, with $3,979,547 in disclosed broker commissions — about 7.1% 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.
WILLIS TOWERS WATSON US LLC is the broker of record on 15 of the 16 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | Stop-loss | 18,931 | Jan 1, 2025 | $7,863,473 | $3,202,855 |
| VISION SERVICE PLAN | Vision | 13,329 | Jan 1, 2025 | $1,957,864 | $195,720 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 2,021 | Jan 1, 2025 | $11,929,583 | $193,916 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Life | 26,223 | Jan 1, 2025 | $3,289,666 | $131,587 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 1,027 | Jan 1, 2025 | $6,082,940 | $95,856 |
| ARAG INSURANCE COMPANY | — | 3,668 | Jan 1, 2025 | $404,780 | $52,621 |
| KAISER FOUNDATION HEALTH PLAN OF COLORADO | Health | 292 | Jan 1, 2025 | $1,841,457 | $25,341 |
| KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | Health | 266 | Jan 1, 2025 | $1,716,057 | $23,615 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | — | 6,588 | Jan 1, 2025 | $411,908 | $16,476 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental | 5,606 | Jan 1, 2025 | $817,934 | $16,350 |
| KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | Health | 124 | Jan 1, 2025 | $842,415 | $12,549 |
| KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | Health | 97 | Jan 1, 2025 | $599,517 | $8,215 |
| KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | Health | 154 | Jan 1, 2025 | $968,370 | $4,446 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | 17,318 | Jan 1, 2025 | $8,914,081 | $0 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 22,293 | Jan 1, 2025 | $5,718,172 | $0 |
| HAWAII MEDICAL SERVICE ASSOCIATION | Health | 206 | Jan 1, 2025 | $2,531,827 | $0 |
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.
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Renewal calendar
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