Form 5500 · Employee benefit plan · FOSTER CITY, CA
VISA INC.
The filing calls this plan VISA INC. WELFARE BENEFITS AND CAFETERIA PLAN.
VISA INC. of FOSTER CITY, CA insures health, dental, vision, life, disability and stop-loss coverage for its employees, per 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 8 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 26-0267673 · plan 501 · plan year 2025, filed Sep 22, 2026
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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.
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
Vision: CIGNA HEALTH AND LIFE INSURANCE COMPANY covers 44 of 13,795 participants (0.3%) on Schedule A.
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 11 insured contracts covering health, dental, vision, life, disability and stop-loss.
The filing lists a stop-loss contract. On its own that does not settle whether the plan pays its own claims.
Reported premium across the insured contracts is $42,574,589, with $516,674 in disclosed broker commissions — about 1.2% 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 2 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, Disability | 20,899 | Jan 1, 2026 | $13,801,686 | $505,199 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental, Vision | 44 | Jan 1, 2026 | $567,003 | $11,475 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 2,320 | Jan 1, 2026 | $17,811,691 | $0 |
| KAISER FOUNDATION HEALTH PLAN OF COLORADO | Health | 555 | Jan 1, 2026 | $4,217,902 | $0 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental, Stop-loss | 27,035 | Jan 1, 2026 | $3,642,947 | $0 |
| KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | Health | 151 | Jan 1, 2026 | $1,117,052 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 77 | Jan 1, 2026 | $669,465 | $0 |
| KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | Health | 82 | Jan 1, 2026 | $493,100 | $0 |
| KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | Health | 35 | Jan 1, 2026 | $173,847 | $0 |
| KAISER FOUNDATION HEALTH PLAN OF HAWAII | Health | 10 | Jan 1, 2026 | $79,896 | $0 |
| NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | — | 13,311 | Jan 1, 2026 | — | $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.
Other plans filed by this employer
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