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Sponsor portfolioTH

CENTRAL ONE FEDERAL CREDIT UNION

EIN 04-2158611-banking-Latest filing 2025
Plans
3
Retirement
2
$43.9M assets
Welfare
1
$1.8M premiums
Participants
451
714 MAIN ST - SHREWSBURY, MA 015453018508-841-0502centralfcu.comLinkedIn51-200 employeesbanking
Plans on this EIN
3 filings
#001CashBalance-$23.1M - 158 part#002401k-$20.8M - 160 part#502Fully Insured-$1.8M - 163 lives

Retirement portfolio analytics

2 plans aggregated / $43.9M assets / 318 participants

Assets by plan

Share of aggregate retirement assets

53%top
  • PLAN AND TRUST (#001)53%
  • PLAN AND TRUST (#002)47%
Total $43.9MClick slice to drill in

Recordkeeper share

DC plan assets by Schedule C recordkeeper

Entrenched
53%top
  • (Not disclosed)53%
  • CMFG LIFE INSURANCE COMPANY47%
Total $43.9MClick slice to drill in

Participants by plan

Active + retired + deferred vested

  • PLAN AND TRUST (#002)160
  • PLAN AND TRUST (#001)158
Total 318Click row to drill in

Benefits portfolio analytics

1 plan / $1.8M premiums / 163 covered lives

Coverage by line

Premium dollars by benefit type (bundled lines overlap)

  • Health$1.5M
  • Prescription drug$1.5M
  • Dental$243K
  • Vision$243K
  • Life$243K
  • Short-term disability$243K
  • +2 more
Total $1.8M8 rows

Carrier market share

Premium dollars by Schedule A carrier

Multi-vendor
86%top
  • HARVARD PILGRIM HEALTH CARE86%
  • THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA14%
Total $1.8M2 slices

Broker market share

Schedule A broker compensation

Split broker
65%top
  • USI INSURANCE SERVICES LLC65%
  • HPHC INSURANCE AGENCY, INC.35%
Total $78K2 slices

Plan deep-dives

Per-plan teasers. The full analytics (fees vs peers, audit grade, trajectory, counterparties) live on each plan detail page.
Retirement#001

COFCU CASH BALANCE DEFINED BENEFIT PLAN AND TRUST

CashBalance

Assets$23.1M
Participants158
Inside the deep dive
Fees vs peersAudit gradeAsset trajectoryContributionsSch C providers
Open plan deep dive
Retirement#002

CENTRAL ONE FEDERAL CREDIT UNION 401(K) PLAN AND TRUST

401k

Assets$20.8M
Participants160
Inside the deep dive
Fees vs peersAudit gradeAsset trajectoryContributionsSch C providers
Open plan deep dive
Welfare#502

CENTRAL ONE FEDERAL CREDIT UNION EMPLOYEE BENEFITS PLAN

Fully Insured - HARVARD PILGRIM HEALTH CARE

Premiums$1.8M
Covered lives163
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
Open plan deep dive

Retirement plans2

Plan #NameTypeAssetsParticipantsLatest year
001COFCU CASH BALANCE DEFINED BENEFIT PLAN AND TRUSTCashBalance$23.1M1582025
002CENTRAL ONE FEDERAL CREDIT UNION 401(K) PLAN AND TRUST401k$20.8M1602024

Welfare plans1

Plan #NameFundingCarrierPremiumsCoveredLatest year
502CENTRAL ONE FEDERAL CREDIT UNION EMPLOYEE BENEFITS PLANFully InsuredHARVARD PILGRIM HEALTH CARE$1.8M1632025
Retirement plans
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