Form 5500 · Employee benefit plan · CAMPBELL, CA
WEST VALLEY CONSTRUCTION COMPANY, INC.
The filing calls this plan WEST VALLEY CONSTRUCTION COMPANY, INC. EMPLOYEE BENEFIT PLAN.
WEST VALLEY CONSTRUCTION COMPANY, INC. of CAMPBELL, CA is a 148-participant construction employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is DOUGLAS-MCCARTY INSURANCE SERVICES. Coverage is written through BLUE CROSS OF CALIFORNIA and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 94-1410142 · plan 501 · plan year 2024, filed Jun 13, 2025
Get an email when this employer files a new Form 5500, and again about four months before its plan renews.
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 9 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS OF CALIFORNIA, covers 82 people.
Reported premium across the insured contracts is $3,225,790, with $208,567 in disclosed broker commissions — about 6.5% 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.
DOUGLAS-MCCARTY INSURANCE SERVICES is the broker of record on 8 of the 9 contracts; the rest name a different broker or none.
3 carriers appear on the filing, including BLUE CROSS OF CALIFORNIA, KAISER FOUNDATION HEALTH PLAN, INC. and STANDARD INSURANCE COMPANY. BLUE CROSS OF CALIFORNIA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS OF CALIFORNIA | Health | 82 | Jan 1, 2025 | $1,630,577 | $85,822 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 146 | Jan 1, 2025 | $1,106,900 | $55,302 |
| STANDARD INSURANCE COMPANY | Health, Dental | 145 | Jan 1, 2025 | $205,346 | $24,709 |
| STANDARD INSURANCE COMPANY | Life | 152 | Jan 1, 2025 | $64,807 | $11,867 |
| STANDARD INSURANCE COMPANY | Health | 89 | Jan 1, 2025 | $44,449 | $10,645 |
| STANDARD INSURANCE COMPANY | Disability | 152 | Jan 1, 2025 | $38,950 | $7,291 |
| STANDARD INSURANCE COMPANY | Disability | 152 | Jan 1, 2025 | $32,910 | $6,181 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 10 | Jan 1, 2025 | $83,475 | $4,174 |
| STANDARD INSURANCE COMPANY | Vision | 122 | Jan 1, 2025 | $18,376 | $2,576 |
Premium and claims on these contracts
STANDARD INSURANCE COMPANY, contract 172209. For the contract year on this filing, the carrier reported $205,346 in premium earned and $166,322 in claims incurred. Dividing one by the other gives 81%.
STANDARD INSURANCE COMPANY, contract 172209. For the contract year on this filing, the carrier reported $64,807 in premium earned and $11,819 in claims incurred. Dividing one by the other gives 18%.
STANDARD INSURANCE COMPANY, contract 172209. For the contract year on this filing, the carrier reported $38,950 in premium earned and $32,652 in claims incurred. Dividing one by the other gives 84%.
STANDARD INSURANCE COMPANY, contract 172209. For the contract year on this filing, the carrier reported $32,910 in premium earned and $12,873 in claims incurred. Dividing one by the other gives 39%.
STANDARD INSURANCE COMPANY, contract 172209. For the contract year on this filing, the carrier reported $18,376 in premium earned and $13,940 in claims incurred. Dividing one by the other gives 76%.
- STANDARD INSURANCE COMPANY, contract 172209 reported $65,127 in retention.
- STANDARD INSURANCE COMPANY, contract 172209 reported $52,986 in retention.
- STANDARD INSURANCE COMPANY, contract 172209 reported $28,671 in retention.
- STANDARD INSURANCE COMPANY, contract 172209 reported $23,492 in retention.
- STANDARD INSURANCE COMPANY, contract 172209 reported $6,760 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: 553 employees, 10 recordable cases, 278 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
How this plan compares
Subscribers see how this compares with similar plans in California. A subscription also adds this plan's filing history and the renewal calendar for its state. See plans and prices
Without an account you can open 10 employer, broker and carrier pages a day, including through an AI assistant, and 50 a day with a free account. Paid plans are what keep these records free to read.
More employer plans in California — largest plans, brokers, carriers and renewal months.