• Complete Member Services
  • One-Stop Plan Administration
  • Private Health Care Exchanges
  • Online Services                  
  • Reduced Corporate Administration
  • Simplified Employee Benefits Process

Who We Are

PacFed is one of California’s largest and most experienced employee benefits firms.

What We Do

We assist businesses in carrier negotiations, employee benefits administration and compliance.

Our Services

Our primary focus is the administration and service of Employer, Taft-Hartley and Private Exchange plans.

Let Us Help

  • Simplify the employee
    benefits process
  • Reduce corporate HR costs
  • Navigate today’s changing
    health insurance market

Latest from Our Blog

mother and son having coffee

Should You Keep Adult Children on Your Health Plan?

Today, it’s already common for adult children to stay on the family cellphone plan. Another way parents can help adult children to save money and pay down debt is to keep them on their health insurance plan.

accountant reviewing rates

ACA Affordability Rates for 2023 Are Announced

The Internal Revenue Service has released inflation-adjustment amounts for 2023 that are used to determine whether employer-sponsored coverage is affordable for purposes of the Affordable Care Act (ACA). This represents the lowest affordability threshold since the ACA was implemented in 2014. How will this impact businesses and workers?

hispanic senior man with groceries

Social Security Cost-of-Living Adjustment Could Reach 10.5% in 2023

Based on consumer price index data for June, Social Security recipients could receive a record high cost-of-living adjustment in 2023 due to rising inflation. This would represent the first time an increase has reached double digits in four decades.

Latina reviewing bills

New Guidance on the No Surprises Act

The No Surprises Act helps protect patients against unexpected medical bills from out-of-network providers. Here is the latest federal guidance on how to implement this new legislation.


Zenith Newsletter

Final Regulations On Special Financial Assistance For Underfunded Multiemployer Defined Benefit Plans Released

On July 8, 2022, the Pension Benefit Guaranty Corporation (PBGC) released the final regulations for plans applying for Special Financial Assistance under the American Rescue Plan Act of 2021.

Two Of Zenith’s Plans Approved For Special Financial Assistance Under The American Recovery Plan Act Of 2021

Recently two of the Pension Plans that Zenith administers were part of the first wave approved by the PBGC (Pension Benefit Guaranty Corporation) for special financial relief under ARPA ’21.

Zenith’s Pension Director Chosen To Speak At The National Association Of Police Organization’s Annual Pension And Benefits Seminar

NAPO is a coalition of police unions and associations from across the United States and was organized for the purpose of advancing the interests of America’s law enforcement officers through legislative advocacy, political action and education.

Defined Benefit Plans -
A Better Bang For The Buck

An updated study by the National Institute on Retirement Security again concluded that when compared to many Defined Contribution (DC) plans a Defined Benefit (DB) plan does a better job of providing needed retirement income.

PBGC Approves First Two Plans For Funding Relief Under ARPA ’21

On December 21st, the Pension Benefit Guaranty Corporation (PBGC) approved the first Multiemployer pension plan funding relief under the American Rescue Plan Act of 2021 (ARPA).

Department Of Labor Releases
FAQs On Required Lifetime Income Illustrations For DC Plans

On July 26, 2021, the Department of Labor (“DOL”) released Temporary Implementing FAQs (Frequently Asked Questions) for the lifetime income illustrations that will be required for most Defined Contribution (“DC”) plans. As you may recall from our last article, the DOL released an Interim Final Regulation (IFR) on September 18, 2020 requiring compliance one year thereafter (September 18, 2021).


Jim Garrison speaking at event

Warmest Retirement Wishes to
PacFed Founder Jim Garrison

As PacFed founder Jim Garrison enters retirement, we honor his leadership and legacy with a deep sense of gratitude and admiration. Thanks to his vision and passion, PacFed is not only distinguished by its success in the employee benefits industry, but by its commitment to serving the community.

An Essential Business

Customer Service Rep

Important Information for Union Member Insureds and PacFed Employees

Operations at Zenith American Solutions (Zenith) and PacFed Benefit Administrators (PacFed) are deemed essential. So that we may provide access to the services our members and their families depend on, Zenith and PacFed offices in California will remain open at this time. As the situation with coronavirus (COVID-19) continues to develop, Zenith and PacFed are prepared and ready to assist.


Essential Workers Logo

PacFed at Work

Thanks to Teamsters 986 essential employees, PacFed is here to serve our members’ group health insurance needs!