Civic Intelligence

San Francisco Opera Association

Plan context: San Francisco Opera 401A

EIN 94-0836240 • San Francisco, CA • 78 filings • 12 plans

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301 Van Ness AvenueSan Francisco, CA 94102
Current Snapshot

Latest Year

2024

2024 Participants

832

2024 Assets

$62,236,772

2024 Contributions

$4,688,553

Historical Graphs

Total Assets Over Time

Aggregate end-of-year assets by filing year, excluding zero-asset years

$62,236,772$31,118,386$0199920122024YearValue
$62,236,772Latest year 2024

Participants Over Time

Largest reported end-of-year plan headcount by filing year, used to avoid double-counting participants across overlapping plans

1,0675340199920122024YearValue
832Latest year 2024

Company Timeline

Year summaries and individual filings are combined here so you can stay in one place while moving across years and plan filings.

Year / FilingFilingsParticipantsAssetsContributionsContrib./Participant
20243832$62,236,772$4,688,553$5,635iApproximate average salary by contribution assumption: employee only about $140,882 at 4% or $93,921 at 6%; with 50% employer match about $93,921 at 4% or $62,614 at 6%; with 100% employer match about $70,441 at 4% or $46,961 at 6%.
San Francisco Opera 401A-445$40,498,527$773,936$1,739iApproximate average salary by contribution assumption: employee only about $43,480 at 4% or $28,986 at 6%; with 50% employer match about $28,986 at 4% or $19,324 at 6%; with 100% employer match about $21,740 at 4% or $14,493 at 6%.
San Francisco Opera 403(B) Plan-832$21,738,245$3,914,617$4,705iApproximate average salary by contribution assumption: employee only about $117,627 at 4% or $78,418 at 6%; with 50% employer match about $78,418 at 4% or $52,279 at 6%; with 100% employer match about $58,813 at 4% or $39,209 at 6%.
San Francisco Opera Association Group Life, Ad&D Ltd, Medical and Dental-257---
20233834$53,745,540$4,147,731$4,973iApproximate average salary by contribution assumption: employee only about $124,332 at 4% or $82,888 at 6%; with 50% employer match about $82,888 at 4% or $55,259 at 6%; with 100% employer match about $62,166 at 4% or $41,444 at 6%.
San Francisco Opera 401A-114$37,243,537$829,664$7,278iApproximate average salary by contribution assumption: employee only about $181,944 at 4% or $121,296 at 6%; with 50% employer match about $121,296 at 4% or $80,864 at 6%; with 100% employer match about $90,972 at 4% or $60,648 at 6%.
San Francisco Opera 403(B) Plan-834$16,502,003$3,318,067$3,978iApproximate average salary by contribution assumption: employee only about $99,462 at 4% or $66,308 at 6%; with 50% employer match about $66,308 at 4% or $44,206 at 6%; with 100% employer match about $49,731 at 4% or $33,154 at 6%.
San Francisco Opera Association Group Life, Ad&D Ltd, Medical and Dental-254---
20223829$43,727,483$3,626,022$4,374iApproximate average salary by contribution assumption: employee only about $109,349 at 4% or $72,900 at 6%; with 50% employer match about $72,900 at 4% or $48,600 at 6%; with 100% employer match about $54,675 at 4% or $36,450 at 6%.
San Francisco Opera 401A-106$32,367,793$615,709$5,809iApproximate average salary by contribution assumption: employee only about $145,214 at 4% or $96,810 at 6%; with 50% employer match about $96,810 at 4% or $64,540 at 6%; with 100% employer match about $72,607 at 4% or $48,405 at 6%.
San Francisco Opera 403(B) Plan-829$11,359,690$3,010,313$3,631iApproximate average salary by contribution assumption: employee only about $90,781 at 4% or $60,521 at 6%; with 50% employer match about $60,521 at 4% or $40,347 at 6%; with 100% employer match about $45,391 at 4% or $30,260 at 6%.
San Francisco Opera Association Group Life, Ad&D Ltd, Medical and Dental-256---
20213656$50,994,096$3,355,114$5,115iApproximate average salary by contribution assumption: employee only about $127,863 at 4% or $85,242 at 6%; with 50% employer match about $85,242 at 4% or $56,828 at 6%; with 100% employer match about $63,931 at 4% or $42,621 at 6%.
San Francisco Opera 401A-99$40,279,080$571,178$5,769iApproximate average salary by contribution assumption: employee only about $144,237 at 4% or $96,158 at 6%; with 50% employer match about $96,158 at 4% or $64,105 at 6%; with 100% employer match about $72,118 at 4% or $48,079 at 6%.
San Francisco Opera 403(B) Plan-656$10,715,016$2,783,936$4,244iApproximate average salary by contribution assumption: employee only about $106,095 at 4% or $70,730 at 6%; with 50% employer match about $70,730 at 4% or $47,153 at 6%; with 100% employer match about $53,048 at 4% or $35,365 at 6%.
San Francisco Opera Association Group Life, Ad&D Ltd, Medical and Dental-240---
20203546$44,260,374$3,352,437$6,140iApproximate average salary by contribution assumption: employee only about $153,500 at 4% or $102,333 at 6%; with 50% employer match about $102,333 at 4% or $68,222 at 6%; with 100% employer match about $76,750 at 4% or $51,167 at 6%.
San Francisco Opera 401A-97$36,896,207$598,851$6,174iApproximate average salary by contribution assumption: employee only about $154,343 at 4% or $102,895 at 6%; with 50% employer match about $102,895 at 4% or $68,597 at 6%; with 100% employer match about $77,172 at 4% or $51,448 at 6%.
San Francisco Opera 403(B) Plan-546$7,364,167$2,753,586$5,043iApproximate average salary by contribution assumption: employee only about $126,080 at 4% or $84,053 at 6%; with 50% employer match about $84,053 at 4% or $56,036 at 6%; with 100% employer match about $63,040 at 4% or $42,027 at 6%.
San Francisco Opera Association Group Life, Ad&D Ltd, Medical and Dental-199---
20193704$37,293,895$3,370,830$4,788iApproximate average salary by contribution assumption: employee only about $119,703 at 4% or $79,802 at 6%; with 50% employer match about $79,802 at 4% or $53,201 at 6%; with 100% employer match about $59,851 at 4% or $39,901 at 6%.
San Francisco Opera 401A-107$33,196,574$606,562$5,669iApproximate average salary by contribution assumption: employee only about $141,720 at 4% or $94,480 at 6%; with 50% employer match about $94,480 at 4% or $62,987 at 6%; with 100% employer match about $70,860 at 4% or $47,240 at 6%.
San Francisco Opera 403(B) Plan-704$4,097,321$2,764,268$3,927iApproximate average salary by contribution assumption: employee only about $98,163 at 4% or $65,442 at 6%; with 50% employer match about $65,442 at 4% or $43,628 at 6%; with 100% employer match about $49,081 at 4% or $32,721 at 6%.
San Francisco Opera Association Group Life, Ad&D Ltd, Medical and Dental-205---
20184574$7,930,455$1,248,308$2,175iApproximate average salary by contribution assumption: employee only about $54,369 at 4% or $36,246 at 6%; with 50% employer match about $36,246 at 4% or $24,164 at 6%; with 100% employer match about $27,184 at 4% or $18,123 at 6%.
San Francisco Opera 401A-99$6,930,513$694,151$7,012iApproximate average salary by contribution assumption: employee only about $175,291 at 4% or $116,860 at 6%; with 50% employer match about $116,860 at 4% or $77,907 at 6%; with 100% employer match about $87,645 at 4% or $58,430 at 6%.
San Francisco Opera 403(B) Plan-574$999,942$231,317$403iApproximate average salary by contribution assumption: employee only about $10,075 at 4% or $6,717 at 6%; with 50% employer match about $6,717 at 4% or $4,478 at 6%; with 100% employer match about $5,037 at 4% or $3,358 at 6%.
San Francisco Opera 401(K) Plan-0-$322,840-
San Francisco Opera Association Group Life, Ad&D Ltd, Medical and Dental-226---
20174647$30,356,558$3,164,412$4,891iApproximate average salary by contribution assumption: employee only about $122,272 at 4% or $81,515 at 6%; with 50% employer match about $81,515 at 4% or $54,343 at 6%; with 100% employer match about $61,136 at 4% or $40,757 at 6%.
San Francisco Opera 401(K) Plan-644$22,297,645$2,244,586$3,485iApproximate average salary by contribution assumption: employee only about $87,135 at 4% or $58,090 at 6%; with 50% employer match about $58,090 at 4% or $38,726 at 6%; with 100% employer match about $43,567 at 4% or $29,045 at 6%.
San Francisco Opera 401A-128$7,037,985$670,972$5,242iApproximate average salary by contribution assumption: employee only about $131,049 at 4% or $87,366 at 6%; with 50% employer match about $87,366 at 4% or $58,244 at 6%; with 100% employer match about $65,525 at 4% or $43,683 at 6%.
San Francisco Opera 403(B) Plan-647$1,020,928$248,854$385iApproximate average salary by contribution assumption: employee only about $9,616 at 4% or $6,410 at 6%; with 50% employer match about $6,410 at 4% or $4,274 at 6%; with 100% employer match about $4,808 at 4% or $3,205 at 6%.
San Francisco Opera Association Group Life, Ad&D Ltd, Medical and Dental-138---
20164996$24,003,979$3,172,167$3,185iApproximate average salary by contribution assumption: employee only about $79,623 at 4% or $53,082 at 6%; with 50% employer match about $53,082 at 4% or $35,388 at 6%; with 100% employer match about $39,811 at 4% or $26,541 at 6%.
San Francisco Opera 401(K) Plan-996$17,460,416$2,178,090$2,187iApproximate average salary by contribution assumption: employee only about $54,671 at 4% or $36,447 at 6%; with 50% employer match about $36,447 at 4% or $24,298 at 6%; with 100% employer match about $27,335 at 4% or $18,224 at 6%.
San Francisco Opera 401A-138$5,877,057$669,662$4,853iApproximate average salary by contribution assumption: employee only about $121,316 at 4% or $80,877 at 6%; with 50% employer match about $80,877 at 4% or $53,918 at 6%; with 100% employer match about $60,658 at 4% or $40,439 at 6%.
San Francisco Opera 403(B) Plan-996$666,506$324,415$326iApproximate average salary by contribution assumption: employee only about $8,143 at 4% or $5,429 at 6%; with 50% employer match about $5,429 at 4% or $3,619 at 6%; with 100% employer match about $4,071 at 4% or $2,714 at 6%.
San Francisco Opera Association Group Life, Ad&D Ltd, Medical and Dental-143---
201541,007$20,449,551$3,308,118$3,285iApproximate average salary by contribution assumption: employee only about $82,128 at 4% or $54,752 at 6%; with 50% employer match about $54,752 at 4% or $36,501 at 6%; with 100% employer match about $41,064 at 4% or $27,376 at 6%.
San Francisco Opera 401(K) Plan-1,005$15,171,423$2,357,772$2,346iApproximate average salary by contribution assumption: employee only about $58,651 at 4% or $39,101 at 6%; with 50% employer match about $39,101 at 4% or $26,067 at 6%; with 100% employer match about $29,326 at 4% or $19,550 at 6%.
San Francisco Opera 401A-134$4,957,350$619,690$4,625iApproximate average salary by contribution assumption: employee only about $115,614 at 4% or $77,076 at 6%; with 50% employer match about $77,076 at 4% or $51,384 at 6%; with 100% employer match about $57,807 at 4% or $38,538 at 6%.
San Francisco Opera 403(B) Plan-1,007$320,778$330,656$328iApproximate average salary by contribution assumption: employee only about $8,209 at 4% or $5,473 at 6%; with 50% employer match about $5,473 at 4% or $3,648 at 6%; with 100% employer match about $4,104 at 4% or $2,736 at 6%.
San Francisco Opera Association Group Life, Ad&D Ltd, Medical and Dental-266---
201431,028$17,746,536$2,644,838$2,573iApproximate average salary by contribution assumption: employee only about $64,320 at 4% or $42,880 at 6%; with 50% employer match about $42,880 at 4% or $28,587 at 6%; with 100% employer match about $32,160 at 4% or $21,440 at 6%.
San Francisco Opera 401(K) Plan-1,028$13,225,478$2,059,082$2,003iApproximate average salary by contribution assumption: employee only about $50,075 at 4% or $33,383 at 6%; with 50% employer match about $33,383 at 4% or $22,256 at 6%; with 100% employer match about $25,037 at 4% or $16,692 at 6%.
San Francisco Opera 401A-125$4,521,058$585,756$4,686iApproximate average salary by contribution assumption: employee only about $117,151 at 4% or $78,101 at 6%; with 50% employer match about $78,101 at 4% or $52,067 at 6%; with 100% employer match about $58,576 at 4% or $39,050 at 6%.
San Francisco Opera Association Group Life, Ad&D Ltd, Medical and Dental-267---
20133945$14,862,342$2,515,849$2,662iApproximate average salary by contribution assumption: employee only about $66,557 at 4% or $44,371 at 6%; with 50% employer match about $44,371 at 4% or $29,581 at 6%; with 100% employer match about $33,278 at 4% or $22,186 at 6%.
San Francisco Opera 401(K) Plan-945$11,012,782$1,931,006$2,043iApproximate average salary by contribution assumption: employee only about $51,085 at 4% or $34,057 at 6%; with 50% employer match about $34,057 at 4% or $22,704 at 6%; with 100% employer match about $25,542 at 4% or $17,028 at 6%.
San Francisco Opera 401A-126$3,849,560$584,843$4,642iApproximate average salary by contribution assumption: employee only about $116,040 at 4% or $77,360 at 6%; with 50% employer match about $77,360 at 4% or $51,573 at 6%; with 100% employer match about $58,020 at 4% or $38,680 at 6%.
San Francisco Opera Association Group Life, Ad&D Ltd, Medical and Dental-261---
20123941$10,695,171$2,347,558$2,495iApproximate average salary by contribution assumption: employee only about $62,369 at 4% or $41,579 at 6%; with 50% employer match about $41,579 at 4% or $27,719 at 6%; with 100% employer match about $31,184 at 4% or $20,790 at 6%.
San Francisco Opera 401(K) Plan-941$7,860,173$1,814,034$1,928iApproximate average salary by contribution assumption: employee only about $48,194 at 4% or $32,130 at 6%; with 50% employer match about $32,130 at 4% or $21,420 at 6%; with 100% employer match about $24,097 at 4% or $16,065 at 6%.
San Francisco Opera 401A-124$2,834,998$533,524$4,303iApproximate average salary by contribution assumption: employee only about $107,565 at 4% or $71,710 at 6%; with 50% employer match about $71,710 at 4% or $47,807 at 6%; with 100% employer match about $53,783 at 4% or $35,855 at 6%.
San Francisco Opera Association Group Life, Ad&D Ltd, Medical and Dental-253---
201131,059$7,581,258$2,402,888$2,269iApproximate average salary by contribution assumption: employee only about $56,725 at 4% or $37,817 at 6%; with 50% employer match about $37,817 at 4% or $25,211 at 6%; with 100% employer match about $28,363 at 4% or $18,908 at 6%.
San Francisco Opera 401(K) Plan-1,059$5,511,077$1,879,758$1,775iApproximate average salary by contribution assumption: employee only about $44,376 at 4% or $29,584 at 6%; with 50% employer match about $29,584 at 4% or $19,723 at 6%; with 100% employer match about $22,188 at 4% or $14,792 at 6%.
San Francisco Opera 401A-119$2,070,181$523,130$4,396iApproximate average salary by contribution assumption: employee only about $109,901 at 4% or $73,268 at 6%; with 50% employer match about $73,268 at 4% or $48,845 at 6%; with 100% employer match about $54,951 at 4% or $36,634 at 6%.
San Francisco Opera Association Group Life, Ad&D Ltd, Medical and Dental-248---
201031,067$5,830,193$2,119,170$1,986iApproximate average salary by contribution assumption: employee only about $49,653 at 4% or $33,102 at 6%; with 50% employer match about $33,102 at 4% or $22,068 at 6%; with 100% employer match about $24,826 at 4% or $16,551 at 6%.
San Francisco Opera 401(K) Plan-1,067$4,125,478$1,921,622$1,801iApproximate average salary by contribution assumption: employee only about $45,024 at 4% or $30,016 at 6%; with 50% employer match about $30,016 at 4% or $20,011 at 6%; with 100% employer match about $22,512 at 4% or $15,008 at 6%.
San Francisco Opera 401A-125$1,704,715$197,548$1,580iApproximate average salary by contribution assumption: employee only about $39,510 at 4% or $26,340 at 6%; with 50% employer match about $26,340 at 4% or $17,560 at 6%; with 100% employer match about $19,755 at 4% or $13,170 at 6%.
San Francisco Opera Association Group Life, Ad&D Ltd, Medical and Dental-237---
200931,052$3,260,029$2,041,221$1,940iApproximate average salary by contribution assumption: employee only about $48,508 at 4% or $32,339 at 6%; with 50% employer match about $32,339 at 4% or $21,559 at 6%; with 100% employer match about $24,254 at 4% or $16,169 at 6%.
San Francisco Opera 401(K) Plan-1,052$1,911,884$1,713,760$1,629iApproximate average salary by contribution assumption: employee only about $40,726 at 4% or $27,151 at 6%; with 50% employer match about $27,151 at 4% or $18,101 at 6%; with 100% employer match about $20,363 at 4% or $13,575 at 6%.
San Francisco Opera 401A-135$1,348,145$327,461$2,426iApproximate average salary by contribution assumption: employee only about $60,641 at 4% or $40,427 at 6%; with 50% employer match about $40,427 at 4% or $26,952 at 6%; with 100% employer match about $30,320 at 4% or $20,214 at 6%.
San Francisco Opera Association Group Life, Ad&D Ltd, Medical and Dental-247---
20083193$748,226$435,551$2,257iApproximate average salary by contribution assumption: employee only about $56,419 at 4% or $37,612 at 6%; with 50% employer match about $37,612 at 4% or $25,075 at 6%; with 100% employer match about $28,209 at 4% or $18,806 at 6%.
San Francisco Opera 401A-128$748,226$435,551$3,403iApproximate average salary by contribution assumption: employee only about $85,069 at 4% or $56,712 at 6%; with 50% employer match about $56,712 at 4% or $37,808 at 6%; with 100% employer match about $42,534 at 4% or $28,356 at 6%.
San Francisco Opera Association Group Life, Ad&D Ltd, Medical and Dental-193---
SAN FRANCISCO OPERA 4038 TAX DEFERRED ACCOUNT PLAN-0---
20074241$597,048$2,047,959$8,498iApproximate average salary by contribution assumption: employee only about $212,444 at 4% or $141,629 at 6%; with 50% employer match about $141,629 at 4% or $94,420 at 6%; with 100% employer match about $106,222 at 4% or $70,815 at 6%.
San Francisco Opera 401A-113$596,759$381,729$3,378iApproximate average salary by contribution assumption: employee only about $84,453 at 4% or $56,302 at 6%; with 50% employer match about $56,302 at 4% or $37,535 at 6%; with 100% employer match about $42,227 at 4% or $28,151 at 6%.
Retirement Plan for Administrative Employees of the San Francisco Opera Association-0$289$1,666,230-
San Francisco Opera Association Group Life, Ad&D Ltd, Medical and Dental-241---
SAN FRANCISCO OPERA 403B TAX DEFERRED ACCOUNT PLAN-0---
20064218$4,053,058$453,195$2,079iApproximate average salary by contribution assumption: employee only about $51,972 at 4% or $34,648 at 6%; with 50% employer match about $34,648 at 4% or $23,099 at 6%; with 100% employer match about $25,986 at 4% or $17,324 at 6%.
Retirement Plan for Administrative Employees of the San Francisco Opera Association-82$3,822,757$236,248$2,881iApproximate average salary by contribution assumption: employee only about $72,027 at 4% or $48,018 at 6%; with 50% employer match about $48,018 at 4% or $32,012 at 6%; with 100% employer match about $36,013 at 4% or $24,009 at 6%.
San Francisco Opera 401A-123$230,301$216,947$1,764iApproximate average salary by contribution assumption: employee only about $44,095 at 4% or $29,397 at 6%; with 50% employer match about $29,397 at 4% or $19,598 at 6%; with 100% employer match about $22,047 at 4% or $14,698 at 6%.
San Francisco Opera Association Group Life, Ad&D Ltd, Medical and Dental-218---
SAN FRANCISCO OPERA 403B TAX DEFERRED ACCOUNT PLAN-0---
20053225$4,125,710$682,932$3,035iApproximate average salary by contribution assumption: employee only about $75,881 at 4% or $50,588 at 6%; with 50% employer match about $50,588 at 4% or $33,725 at 6%; with 100% employer match about $37,941 at 4% or $25,294 at 6%.
Retirement Plan for Administrative Employees of the San Francisco Opera Association-96$4,125,710$682,932$7,114iApproximate average salary by contribution assumption: employee only about $177,847 at 4% or $118,565 at 6%; with 50% employer match about $118,565 at 4% or $79,043 at 6%; with 100% employer match about $88,923 at 4% or $59,282 at 6%.
San Francisco Opera Association Group Life, Ad&D Ltd, Medical and Dental-225---
SAN FRANCISCO OPERA 403B TAX DEFERRED ACCOUNT PLAN-0---
20042112$3,601,392$907,300$8,101iApproximate average salary by contribution assumption: employee only about $202,522 at 4% or $135,015 at 6%; with 50% employer match about $135,015 at 4% or $90,010 at 6%; with 100% employer match about $101,261 at 4% or $67,507 at 6%.
Retirement Plan for Administrative Employees of the San Francisco Opera Association-112$3,601,392$907,300$8,101iApproximate average salary by contribution assumption: employee only about $202,522 at 4% or $135,015 at 6%; with 50% employer match about $135,015 at 4% or $90,010 at 6%; with 100% employer match about $101,261 at 4% or $67,507 at 6%.
SA FRANCISCO OPERA 403B TAX DEFERRED ACCOUNT PLAN-0---
20032225$2,802,092$694,250$3,086iApproximate average salary by contribution assumption: employee only about $77,139 at 4% or $51,426 at 6%; with 50% employer match about $51,426 at 4% or $34,284 at 6%; with 100% employer match about $38,569 at 4% or $25,713 at 6%.
Retirement Plan for Administrative Employees of the San Francisco Opera Association-111$2,802,092$694,250$6,255iApproximate average salary by contribution assumption: employee only about $156,363 at 4% or $104,242 at 6%; with 50% employer match about $104,242 at 4% or $69,494 at 6%; with 100% employer match about $78,181 at 4% or $52,121 at 6%.
San Francisco Opera Association Group Life, Ad&D Ltd, Medical and Dental-225---
20022228$2,577,607$377,929$1,658iApproximate average salary by contribution assumption: employee only about $41,440 at 4% or $27,626 at 6%; with 50% employer match about $27,626 at 4% or $18,418 at 6%; with 100% employer match about $20,720 at 4% or $13,813 at 6%.
Retirement Plan for Administrative Employees of the San Francisco Opera Association-139$2,577,607$377,929$2,719iApproximate average salary by contribution assumption: employee only about $67,973 at 4% or $45,315 at 6%; with 50% employer match about $45,315 at 4% or $30,210 at 6%; with 100% employer match about $33,986 at 4% or $22,658 at 6%.
San Francisco Opera Association Group Life, Ad&D Ltd, Medical and Dental-228---
20012279$2,748,428$152,360$546iApproximate average salary by contribution assumption: employee only about $13,652 at 4% or $9,102 at 6%; with 50% employer match about $9,102 at 4% or $6,068 at 6%; with 100% employer match about $6,826 at 4% or $4,551 at 6%.
Retirement Plan for Administrative Employees of the San Francisco Opera Association-98$2,748,428$152,360$1,555iApproximate average salary by contribution assumption: employee only about $38,867 at 4% or $25,912 at 6%; with 50% employer match about $25,912 at 4% or $17,274 at 6%; with 100% employer match about $19,434 at 4% or $12,956 at 6%.
San Francisco Opera Association Group Life, Ad&D Ltd, Medical and Dental-279---
20002276$0$0-
San Francisco Opera Association Group Life, Ad&D Ltd, Medical and Dental-276---
Retirement Plan for Administrative Employees of the San Francisco Opera Association-115---
19992298$3,735,315$256,384$860iApproximate average salary by contribution assumption: employee only about $21,509 at 4% or $14,339 at 6%; with 50% employer match about $14,339 at 4% or $9,559 at 6%; with 100% employer match about $10,754 at 4% or $7,170 at 6%.
Retirement Plan for Administrative Employees of the San Francisco Opera Association-93$3,735,315$256,384$2,757iApproximate average salary by contribution assumption: employee only about $68,920 at 4% or $45,947 at 6%; with 50% employer match about $45,947 at 4% or $30,631 at 6%; with 100% employer match about $34,460 at 4% or $22,973 at 6%.
San Francisco Opera Association Group Life, Ad&D Ltd, Medical and Dental-298---