Form 5500 · Employee benefit plan · SAN RAFAEL, CA
YOUTH ENRICHMENT BRANDS
The filing calls this plan YOUTH ENRICHMENT BRANDS, LLC WELFARE BENEFITS PLAN.
YOUTH ENRICHMENT BRANDS of SAN RAFAEL, CA files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is BROWN & BROWN INSURANCE SVCS. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 1 other carrier. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 88-2506176 · plan 502 · plan year 2025, filed Jul 31, 2026
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How this plan is funded
Funding not settled by the filing
The filing does not report enough to settle how this plan pays for benefits.
Benefits declared on this filing
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 7 insured contracts covering health, dental, vision, life and disability; the largest, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 372 people.
Reported premium across the insured contracts is $822,911, with $8,983 in disclosed broker commissions — about 1.1% 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.
BROWN & BROWN INSURANCE SVCS is the broker of record on 1 of the 7 contracts; the rest name a different broker or none.
Two carriers split the book: CIGNA HEALTH AND LIFE INSURANCE COMPANY and EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | 161 | Jan 1, 2026 | $37,010 | $5,552 |
| EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | 91 | Jan 1, 2026 | $39,133 | $1,893 |
| EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | Disability | 60 | Jan 1, 2026 | $15,454 | $1,532 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Vision | 338 | Jan 1, 2026 | $7,716 | $6 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health | 372 | Jan 1, 2026 | $658,490 | $0 |
| EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 487 | Jan 1, 2026 | $41,337 | $0 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Dental | 377 | Jan 1, 2026 | $23,771 | $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.
Other plans filed by this employer
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