# Which Redlands businesses have a published health plan?

"Published health plan" = a **DOL Form 5500** annual filing that reports a **health welfare benefit (code 4A)**. These filings are public (DOL EFAST2). Federal rules generally require a 5500 only when a plan has **100+ participants**, so this captures larger / self-funded employers and misses small ones. Data = Form 5500 plan years **2023 + 2024** (latest DOL datasets), merged.

## Bottom line
- **~292 distinct licensed businesses (300 license rows) of the 7,264 (~4%)** match an employer with a published Form 5500 health plan (matched by name to the national filer database, plus the 12 known Redlands-HQ filers patched in by hand).
- Almost all of those are **branches of large national companies** that hold a Redlands business license (Amazon, Kaiser, Home Depot, Southern California Edison, Edward Jones, Honeywell, J.B. Hunt, etc.). Their 5500 is filed at the corporate level, so the participant counts are **company-wide nationwide**, not Redlands headcount.
- Only **12 employers actually headquartered in Redlands** file their own health-plan 5500 (the genuinely local ones).

## The 12 Redlands-headquartered employers with their own published health plan
(plan participants = employees + dependents + retirees enrolled; not a headcount)

| Sponsor | EIN | Plan participants | Year |
|---------|-----|------------------:|------|
| Environmental Systems Research Institute (ESRI) | 95-2775732 | 4,890 | 2024 |
| Redlands Community Hospital | 95-1643347 | 1,405 | 2024 |
| University of Redlands | 95-1643389 | 591 | 2023 |
| Sage Oak Charter Schools | 47-4121914 | 313 | 2024 |
| Tom Bell Properties Inc. | 26-3102860 | 214 | 2023 |
| San Bernardino Medical Orthopaedic Group | 33-0376200 | 208 | 2024 |
| Mountain West Financial, Inc. | 33-0419992 | 167 | 2023 |
| Pacific Dermatology Institute, Inc. | 27-0481805 | 164 | 2024 |
| Lee & Associates | 46-4432979 | 156 | 2024 |
| Redlands Christian Schools | 95-1831078 | 121 | 2023 |
| San Bernardino County Sheriff's Employees' Benefit Assn. | 95-6059097 | 9 | 2023 |
| K.E. Rodgers, Inc. | 47-1531793 | 4 | 2023 |

Note: the school district and University of Redlands publish health plans but are **not** in the business-license roster (government/nonprofit — no city license).

## How to read it in the data
- `redlands_5500_health_plans.csv` — the 12 Redlands-HQ filers above (full plan names + welfare codes).
- `roster_health_plan_matches.csv` — the ~295 roster rows that matched a national health-plan filer.
- In the main `redlands_business_licenses.csv`, three columns carry it per-business: `HealthPlan_Form5500`, `HealthPlan_5500_Sponsor`, `HealthPlan_5500_Participants_CompanyWide`.

## Caveats
- Match is **by business name** (normalized), so it's a conservative lower bound and can miss DBA/name variants; a rare same-name coincidence is possible — the matched list is recognizable national companies, so false positives look minimal.
- Welfare benefit code **4A = health**; plans coded only 4B/4C/4D (dental/vision/life) are excluded.
- Participant counts are **plan-wide and company-wide**, not Redlands employees.
- Source: DOL EFAST2 Form 5500 datasets, plan years 2023 & 2024. https://www.dol.gov/agencies/ebsa/researchers/data/form-5500