PacFed

We put your health and wellness first

PacFed administers competitive and high-quality employee benefits programs for public entities, government contractors and non-profit organizations, and is a trusted name among many major labor unions.

Industries Served
  • Agriculture
  • Bus & Transportation
  • Entertainment
  • Government Contractors
  • Logistics & Freight
  • Manufacturing
  • Non-Profits
  • Public Entities
  • Sanitation

A leader in
employee benefits

Pacific Federal, LLC (PacFed) is one of California’s largest and most experienced employee benefits firms. Our size in the marketplace enables us to maximize the value of your insurance investments and simplify the employee benefits process.

PacFed assists businesses in carrier negotiations and the administration of employee benefit coverages.  Many clients also participate in PacFed-administered Employer, Taft-Hartley and Private Exchange plans, which harness group purchasing power.

We provide complete, direct services from a single source including: online services, member assistance, workplace support, consolidated billing, COBRA administration and compliance notifications.

Our team of professionals empowers clients across a wide range of industries to:

  • Reduce their corporate administration costs
  • Access complete member services from one source
  • Support their employees’ long-term health and wellness

Since 1990, PacFed has served as a trusted consultant and administrator of employee benefits. In 2017, PacFed was acquired by Zenith American.

Pacific Federal, LLC - Senior Staff and Accounting

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Pacific Federal, LLC
Christopher Espinoza
President

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Christopher Espinoza is executive vice president of Pacific Federal, LLC (PacFed). PacFed is a Zenith American company, providing health and pension administration to nearly 2 million families from over 45 offices across the nation.

With over 23 years of experience in the employee benefits field, Christopher specializes in statewide and local multiemployer pension, individual retirement, vacation, and health and welfare plans. He has exceptional knowledge and experience with Taft-Hartley Multiemployer Funds, and understands the information required for trustees and plan professionals to reach a collective decision conforming to the fiduciary standards of a fund.

Tracey Crow
Director, Human Resources and HR Client Services

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Tracey Crow is the director of Human Resources and HR Client Services at PacFed Benefit Administrators. With more than 25 years of industry experience, she oversees all aspects of PacFed Benefit Administrators’ Human Resources Department and assists clients with the administration of employee benefits.

Prior to joining PacFed Benefit Administrators in 2012, Tracey held senior human resource positions at two large aerospace companies.

Jim Garrison
Retired

Jim Garrison retired as president of Pacific Federal, LLC (PacFed) in October 2021. Founded by Garrison in 1977, PacFed was acquired by Zenith American Holdings in 2017. Zenith/PacFed is one of the nation’s largest employee benefit administrators. Zenith American provides health and retirement administration solutions to approximately 2 million families from over 45 locations across the U.S.

Administration
Veronica Romero
Vice President, Client Services

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Veronica Romero is vice president of Client Services at PacFed Benefit Administrators. In this capacity, she is responsible for the maintenance of employer computer rates and profiles. Veronica began her career at PacFed Benefit Administrators in 2003 and previously managed the company's Member Services Department.

Veronica has more than 20 years of experience in the health care industry and is licensed by the state of California as a Life Agent.

Lleana Guerrero
Vice President, Member Services and Claims

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Lleana Guerrero is vice president of Member Services and Claims at PacFed Benefit Administrations. In this position, she resolves member claims with carriers and is responsible for the administration of COBRA coverage.

Lleana has worked at PacFed Benefit Administrators since 1999 and previously held various positions in the company's Member Services Department.

Sandra S. Corral, Esq., ISCEBS, CEBS, PFAC
Administration and Compliance Attorney

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Sandra S. Corral serves as administration and compliance attorney at PacFed Benefit Administrators (PacFed), also known as Pacific Federal, LLC, where she is responsible for several multiemployer health and welfare trust funds. PacFed, a Zenith American company, is one of California’s largest and most experienced employee benefits firms.

Prior to joining PacFed, Sandra worked in law enforcement for the United States Department of Labor’s Employee Benefits Security Administration where she coordinated the civil and criminal litigation/prosecution of Employee Retirement Income Security Act (ERISA) violations and related state and federal statutes.

Jennifer E. Loew
Trust Fund Administrator

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Jennifer Loew serves as a Trust Fund Administrator at Pacific Federal Benefit Administrators, LLC (PacFed) where she manages several major health and welfare trust funds.

Prior to joining PacFed, Jennifer was employed at Los Angeles County Metropolitan Transportation Authority’s System, Security and Law Enforcement Department, Los Angeles County Board of Supervisors and the Los Angeles Unified School District Board of Education.

Insurance Services
Lori Cantu
Senior Account Executive

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Lori Cantu is an account executive at PacFed Insurance Services. In this position, she provides account management support and ensures that members have a comprehensive understanding of their health plan benefits.

Lori has worked in the health care industry since 2005 and also holds a dental assistant certification.

Lydia Salcido
Senior Account Executive

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Lydia Salcido is a senior account executive at PacFed Insurance Services, where she has worked since 2006. She is responsible for retaining existing clients, securing new clients, and working with business agents and members to ensure a comprehensive understanding of provided health plan benefits.

Prior to joining PacFed Insurance Services, Lydia had more than 10 years of experience in account management and sales. Lydia holds a degree in Business Administration and Finance, and is licensed by the state of California as a Life Agent.

Beverly Cruz
Account Executive

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Beverly Cruz is an account manager at PacFed Insurance Services. In this position, she ensures that members have a full understanding of their health care benefits. In addition, she is responsible for providing account management support.

Beverly has more than 15 years of experience in the health care industry.

Edith Valencia
Account Manager

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Edith Valencia is an account manager at PacFed Insurance Services. In this position, she provides account management support and ensures that members have a comprehensive understanding of their health plan benefits. She previously worked in PacFed Benefit Administrators’ Member Service Department.

Edith holds a Bachelor of Arts degree in Spanish and Latino Studies from the University of California, Irvine.

Hector Rendon
Consultant, Taft-Hartley Trust Funds

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Hector Rendon joined PacFed Insurance Services after more than 40 years with the International Brotherhood of Teamsters where he worked his way up from file clerk to holding several key positions, including union dispatcher, organizer and business representative in one of the country's largest labor unions.

At PacFed Insurance Services, Hector is responsible for advising the company on Labor Trust matters and working as a liaison with labor leaders. He has completed various labor relations courses through Loyola Law School, as well as workshops and seminars at the George Meany Center for Labor Studies.

Accounting
Patrick McGarry
Controller

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Patrick McGarry is controller for PacFed Benefit Administrators. In this role, he conducts the month-end closing process, generates and analyzes financial statements, and monitors daily general ledger activity.

Prior to joining PacFed Benefit Administrators in 2015, Patrick spent five years as a chief financial officer of a medical practice. Patrick attended the University of Southern California and obtained his CPA license in 1998.

Cecilia Corral
Accounting Clerk

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Cecilia Corral is an accounting clerk with PacFed Benefit Administrators. In this capacity, Cecilia assists with month-end closing processes for the company’s various clients, and generates and analyzes financial statements.

Cecilia has more than 20 years of experience in the accounting field. Prior to joining PacFed Benefit Administrators, she worked for a bookkeeping company. Cecilia earned a Bachelor of Science degree in Accounting from Woodbury University.

Norma Alvarado
Premium Accounting

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Norma Alvarado is a premium accounting representative at PacFed Benefit Administrators, where she is responsible for the collection of premiums and billing issues for several trust funds.

Norma has an extensive background in accounting and has worked at PacFed Benefit Administrators since 2013.

Marty Chavez
Premium Accounting

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Marty Chavez is a premium accounting representative at PacFed Benefit Administrators. In this capacity, Marty is responsible for client billing and member/employer eligibility issues.

Marty has worked at PacFed Benefit Administrators since 2003 and previously held various positions in the company's Member Services Department.

Debbie Mendez
Premium Accounting

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Debbie Mendez is a premium accounting representative at PacFed Benefit Administrators. She is responsible for the collection of premiums and billing issues for designated trust funds.

With more than 25 years of industry experience, Debbie has extensive knowledge in the administration of benefits. She joined PacFed Benefit Administrators in August 2014.

Rocio Romero
Premium Accounting

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Rocio Romero is a premium accounting representative at PacFed Benefit Administrators where she oversees member services, collection of premiums and billing issues for several trust funds, including the Professional Musicians, Local 47 and Employer Health & Welfare Fund.

Rocio has worked in the area of third-party administration since 1988 and at PacFed Benefit Administrators since 1995. She has completed several professional level management training courses.