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Sponsor portfolioTH

HERITAGE FAMILY FEDERAL CREDIT UNION

EIN 03-0214269-banking-Latest filing 2025
Plans
3
Retirement
2
$37.8M assets
Welfare
1
$2.6M premiums
Participants
561
30 ALLEN ST. - RUTLAND, VT 05701888-252-8932LinkedIn51-200 employeesbanking
Plans on this EIN
3 filings
#003TraditionalDB-$22.7M - 164 part#001401k-$15.1M - 212 part#504Fully Insured-$2.6M - 380 lives

Retirement portfolio analytics

2 plans aggregated / $37.8M assets / 376 participants

Assets by plan

Share of aggregate retirement assets

60%top
  • PLAN AND TRUST (#003)60%
  • CREDIT UNION 401(K) (#001)40%
Total $37.8MClick slice to drill in

Participants by plan

Active + retired + deferred vested

  • CREDIT UNION 401(K) (#001)212
  • PLAN AND TRUST (#003)164
Total 376Click row to drill in

Benefits portfolio analytics

1 plan / $2.6M premiums / 380 covered lives

Coverage by line

Premium dollars by benefit type (bundled lines overlap)

  • Health$2.3M
  • Dental$128K
  • Short-term disability$48K
  • Long-term disability$42K
  • Life$27K
  • Other$27K
  • +1 more
Total $2.6M7 rows

Carrier market share

Premium dollars by Schedule A carrier

Multi-vendor
90%top
  • CIGNA HEALTH AND LIFE INSURANCE COMPANY90%
  • DELTA DENTAL OF CALIFORNIA5%
  • UNITED OF OMAHA LIFE INSURANCE COMPANY5%
  • AMERITAS LIFE INSURANCE CORP.1%
Total $2.6M4 slices

Broker market share

Schedule A broker compensation

Split broker
72%top
  • GCG FINANCIAL LLC72%
  • NEW ENGLAND EMPLOYEE BENEFITS CO28%
Total $25K2 slices

Plan deep-dives

Per-plan teasers. The full analytics (fees vs peers, audit grade, trajectory, counterparties) live on each plan detail page.
Retirement#003

HERITAGE FAMILY FEDERAL CREDIT UNION DEFINED BENEFIT PLAN AND TRUST

TraditionalDB

Assets$22.7M
Participants164
Inside the deep dive
Fees vs peersAudit gradeAsset trajectoryContributionsSch C providers
Open plan deep dive
Retirement#001

HERITAGE FAMILY FEDERAL CREDIT UNION 401(K) PLAN

401k

Assets$15.1M
Participants212
Inside the deep dive
Fees vs peersAudit gradeAsset trajectoryContributionsSch C providers
Open plan deep dive
Welfare#504

HERITAGE FAMILY CREDIT UNION EMPLOYEE BENEFITS PLAN

Fully Insured - CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES

Premiums$2.6M
Covered lives380
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
Open plan deep dive

Retirement plans2

Plan #NameTypeAssetsParticipantsLatest year
003HERITAGE FAMILY FEDERAL CREDIT UNION DEFINED BENEFIT PLAN AND TRUSTTraditionalDB$22.7M1642025
001HERITAGE FAMILY FEDERAL CREDIT UNION 401(K) PLAN401k$15.1M2122024

Welfare plans1

Plan #NameFundingCarrierPremiumsCoveredLatest year
504HERITAGE FAMILY CREDIT UNION EMPLOYEE BENEFITS PLANFully InsuredCIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES$2.6M3802025
Retirement plans
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