Cal Neca

What Cal Neca does

Cal NECA is a private, membership-based health and welfare benefits administration organization that serves members of the National Electrical Contractors Association (NECA) in California. The company functions as an intermediary between NECA-member electrical contractors and major health insurance carriers, aggregating demand across the trade to offer access to group medical, dental, vision, life/AD&D, and retiree medical plans. Core product offerings include medical plans through Blue Shield of California and Kaiser Permanente, dental coverage through Ameritas, vision coverage through Vision Service Plan (VSP), and supplemental options via Mutual of Omaha, plus a Medicare Assistance Program delivered in partnership with Strategic Growth Insurance Associates (SGIA).

Underlying technology is a website-based benefits management platform (calneca.com) with member-facing tools: a Monthly Benefit Calculator that estimates costs for active employees, early retirees, COBRA participants, and Medicare-eligible retirees across tiered plan levels, and a Bill Rate Comparison tool for comparing billed rates across plan types and participant categories. The platform is supported by 14-15 local NECA chapters across California that act as the in-person distribution and service backbone.

The business model is managed-services based: Cal NECA earns revenue through administrative fees and service arrangements with health insurance carriers while day-to-day plan administration is outsourced to United Administrative Services (San Jose) and program consulting/new-membership intake is handled by Innovative Cost Management Services (San Jose). Pricing signals — publicly disclosed monthly per-employee rates for Ameritas dental ($67.21-$201.83) and VSP vision ($8.96-$22.52) — suggest a subscription/admin-fee structure flowing to Cal NECA rather than underwriting risk. The go-to-market is sales-led and relationship-driven through the NECA chapter network, with the website serving as a top-of-funnel content and comparison resource and direct carrier links serving bottom-of-funnel enrollment. Customer segments are entirely NECA-affiliated employers and their active employees, early retirees, Medicare-eligible retirees, and COBRA participants in California.

Name

Cal Neca

Legal name

CAL NECA

Website

https://calneca.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Cal NECA is a private, California-based benefits administration organization that aggregates NECA electrical contractor members to offer group health, dental, vision, and Medicare plans through partnerships with Blue Shield, Kaiser, Ameritas, VSP, and SGIA, distributed via 14-15 local NECA chapters.

Ownership category

akta.pro rank

Product category

Health Benefits Administration

NAICS

Health and Welfare Funds (525120), Business Associations (813910)

SIC

Services-Business Services, Nec (7389)

akta.pro primary industry

Disability & Leave Administration (STD/LTD/FMLA/Paid Leave) (HLAEALAM)

Keywords

• Health benefits administration
• Group health insurance
• Dental and vision insurance
• Medicare assistance services
• Employee benefits management

Headquarters

HQ city

Pleasanton

HQ country

United States

HQ region

North America

Offices18 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Health Plan Administration Services: Cal NECA provides benefits administration and management services to NECA members, acting as an intermediary between health providers and member employers/employees. Revenue is generated through administrative fees and service arrangements with health insurance carriers.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels3 records

Core offering

Cal NECA operates a membership-based health benefits administration platform serving National Electrical Contractors Association (NECA) member employers in California. It aggregates access to multiple health insurance carriers (Blue Shield of California, Kaiser Permanente, Mutual of Omaha, Ameritas Dental, and VSP) through a single member portal with rate comparison and enrollment tools, supported by a network of 14 local NECA chapters and a Medicare assistance program delivered in partnership with SGIA.

Product overview

Cal NECA is a health benefits administration organization serving NECA (National Electrical Contractors Association) members in California. The organization operates as a platform offering multiple health insurance plan options through partnerships with Blue Shield of California, Kaiser Permanente, Mutual of Omaha, Ameritas Dental, and Vision Service Plan (VSP). The core platform provides access to these diverse health, dental, and vision insurance products along with administrative tools including a Monthly Benefit Calculator, Bill Rate Comparison tool, and enrollment applications. A key service component is the Medicare Assistance Program, offered through partnership with Strategic Growth Insurance Associates, providing free Medicare guidance. The organization also supports a network of 15 local California chapters that provide regional member services. The platform is designed to help members and their employees navigate benefit options and select appropriate coverage.

Differentiator

Problem solved

Functional benefit

Products and services

• Health Benefits Administration Platform A comprehensive health benefits administration service for NECA members in California, providing access to multiple health insurance providers, enrollment tools, and Medicare assistance for member employers and their employees.
• Blue Shield Health Plans Medical insurance plans offered through Blue Shield of California, including HMO, PPO, and High Deductible Health Plan options for NECA member employees, early retirees, COBRA participants, and Medicare-eligible retirees.
• Kaiser Health Plans Kaiser Permanente medical insurance plans available to Cal NECA members in Northern and Southern California regions, including High Deductible Health Plan options.
• Ameritas Dental Dental insurance plan with $50 per person / $150 per family deductible, $2,500 annual benefit maximum per person, covering basic, prosthetic, and orthodontic services (orthodontic lifetime maximum $2,500).
• Vision Service Plan (VSP) Vision insurance covering eye exams, prescription glasses, contact lenses, and laser vision correction discounts through the VSP network, including $150–$200 frame allowances and 20% off out-of-pocket expenses.
• Mutual of Omaha Health Plans Additional health insurance plan option available through Cal NECA membership as an alternative carrier.
• Medicare Assistance Program Free Medicare guidance and enrollment assistance delivered in partnership with Strategic Growth Insurance Associates (SGIA), covering Part A, B, C, D, and supplemental plans, including certified consultant evaluations, plan analysis, and one-on-one confidential guidance.

Named customers1 record

Segments5 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• Blue Shield of CaliforniacoreChannel Partner/ Reseller/ DistributorBlue Shield of California is a major health insurance provider offering medical plans to Cal NECA members including HMO, PPO, and High Deductible options. Members can access Blue Shield plans through the Cal NECA benefits program.
• Kaiser PermanentecoreChannel Partner/ Reseller/ DistributorKaiser Permanente provides HMO health plans to Cal NECA members in both Northern and Southern California regions, including High Deductible Health Plan options.
• AmeritascoreChannel Partner/ Reseller/ DistributorAmeritas provides dental insurance to Cal NECA members with a $50 per person / $150 per family deductible and $2,500 benefit maximum per person per calendar year. The plan includes basic, prosthetic, and orthodontic benefits.
• Vision Service Plan (VSP)coreChannel Partner/ Reseller/ DistributorVSP provides vision insurance to Cal NECA members covering eye exams, prescription glasses, contacts, and laser vision correction discounts. Benefits include $150-$200 frame allowances and 20% off out-of-pocket expenses.
• Mutual of OmahaminorChannel Partner/ Reseller/ DistributorMutual of Omaha provides additional health plan options to Cal NECA members as an alternative carrier.
• United Administrative ServicescoreImplementation/ SI/ Consulting PartnerUnited Administrative Services handles plan administration and service inquiries for existing Cal NECA membership. Located in San Jose, CA, they manage member servicing and billing administration.
• Innovative Cost Management Services Inc.coreImplementation/ SI/ Consulting PartnerInnovative Cost Management Services serves as Plan Consultant for Cal NECA, handling program information and new membership inquiries from their San Jose office.
• Strategic Growth Insurance Associates, Inc. (SGIA)coreStrategic or Co-development PartnerSGIA provides Medicare assistance to Cal NECA members, specializing in Parts A, B, C, D and supplemental plans. Services include certified consultant evaluations, plan analysis, enrollment assistance, and one-on-one confidential guidance at no charge.

Scale indicators1 record

Recent moves5 records

Expansion highlights5 records

Emerging players

• PlanSource Benefits Administration: Cloud-native benefits administration platform serving mid-market employers. Comparable as a modern technology-driven benefits administrator that could eventually displace trade-association-style administrative models like Cal NECA with a direct-to-employer SaaS offering.
• Strategic Growth Insurance Associates (SGIA): Medicare-focused benefits advisory firm already partnered with Cal NECA. Comparable as a specialized benefits advisor that competes in adjacent service lines (Medicare, individual coverage) that Cal NECA could either partner with or compete against as it expands retiree services.

Others

• United Administrative Services: Third-party administrator handling Cal NECA's plan administration. Comparable as a competing TPA serving multiple trade and association benefits trusts in California — a potential partner or competitor for benefits administration work.

Broad incumbents

• Associated Builders and Contractors (ABC) of California: ABC represents non-union contractors across California and offers benefits programs through ABC merit-shop trusts. Comparable because it serves the same construction trade vertical with competing health/benefits trust offerings for the non-union counterpart of NECA's membership.

Regional players

• Plumbers and Pipefitters Local 447 Health & Welfare Trust: Trade-specific multiemployer health trust serving union plumbers/pipefitters and their contractors. Comparable as another construction-trade MEWA, serving a related but different trade segment within California's unionized building trades.

Direct peers

• Sheet Metal Workers Health and Welfare Trust (California): California-based Sheet Metal Workers multiemployer health trust serving union sheet metal contractors. Comparable as another trade-specific benefits administrator using the same multiemployer pooling model and partnering with major medical carriers.
• Western States Healthcare (WSH) — Construction Industry Trust: Construction trade multiemployer health and welfare trust serving union and open-shop contractors in California and the West. Comparable as a MEWA-style construction benefits administrator pooling risk across trade contractors — same product, same regulatory regime.
• National Electrical Contractors Association (NECA) National Benefit Funds: NECA's national-level benefit programs (e.g., NEBF) serve the same electrical contractor population through a parallel benefits trust. Direct comparable because they aggregate the same employer base and offer retirement/benefit products through national pooling.
• NECA-IBEW Local Union Trust Funds (e.g., Southern California IBEW-NECA Trust Funds): Local NECA-IBEW jointly trusteed health and welfare funds in California administer health benefits for union electrical contractors — the exact same customer segment as Cal NECA, structured as Taft-Hartley multiemployer plans rather than a membership trust.
• Carpenters Health and Welfare Trust Fund (California): California Carpenters multiemployer health and welfare trust administering medical, dental, vision, and retirement benefits for union carpenters and their employers. Directly comparable as a trade-based multiemployer plan with similar self-funded/Mewa structure.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Cal Neca