PlanOptica
Free ERISA searchPricing
Sign inStart for $4.99
  1. Companies/
  2. NORTHERN CREDIT UNION
Sponsor portfolioTH

NORTHERN CREDIT UNION

EIN 15-0580359-banking-Latest filing 2025
Plans
4
Retirement
2
$13.6M assets
Welfare
2
$1.8M premiums
Participants
451
120 FACTORY STREET - WATERTOWN, NY 136011958315-782-0155mynorthern.comLinkedIn51-200 employeesbanking
Plans on this EIN
4 filings
#003401k-$9.6M - 78 part#002401k-$4.0M - 110 part#520Fully Insured-$1.8M - 233 lives#525Self Funded-0 lives

Retirement portfolio analytics

2 plans aggregated / $13.6M assets / 188 participants

Assets by plan

Share of aggregate retirement assets

70%top
  • CREDIT UNION 401(K) (#003)70%
  • ENCHANCED RETIREMENT PLAN (#002)30%
Total $13.6MClick slice to drill in

Participants by plan

Active + retired + deferred vested

  • ENCHANCED RETIREMENT PLAN (#002)110
  • CREDIT UNION 401(K) (#003)78
Total 188Click row to drill in

Benefits portfolio analytics

2 plans / $1.8M premiums / 233 covered lives

Coverage by line

Premium dollars by benefit type (bundled lines overlap)

  • Health$1.6M
  • Dental$209K
  • Vision$209K
  • Life$209K
  • Other$209K
  • Long-term disability$44K
  • +1 more
Total $1.8M7 rows

Carrier market share

Premium dollars by Schedule A carrier

Multi-vendor
86%top
  • MVP HEALTH CARE86%
  • THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA12%
  • PRUDENTIAL INSURANCE COMPANY OF AMERICA2%
  • THE STANDARD1%
Total $1.8M4 slices

Broker market share

Schedule A broker compensation

Split broker
87%top
  • ROBERT G. RELPH AGENCY, INC.87%
  • GCG FINANCIAL LLC13%
Total $101K2 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

NORTHERN CREDIT UNION 401(K) PLAN

401k

Assets$9.6M
Participants78
Inside the deep dive
Fees vs peersAudit gradeAsset trajectoryContributionsSch C providers
Open plan deep dive
Retirement#002

NORTHERN CREDIT UNION COLLECTIVE BARGAINING UNIT ENCHANCED RETIREMENT PLAN

401k

Assets$4.0M
Participants110
Inside the deep dive
Fees vs peersAudit gradeAsset trajectoryContributionsSch C providers
Open plan deep dive
Welfare#520

NORTHERN CREDIT UNION WELFARE BENEFITS PLAN

Fully Insured - MVP HEALTHCARE

Premiums$1.8M
Covered lives233
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
Open plan deep dive
Welfare#525

NORTHERN CREDIT UNION HEALTH REIMBURSEMENT ARRANGEMENT SECTION 105 PLAN

Self Funded

Premiums$0
Covered lives0
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
Open plan deep dive

Retirement plans2

Plan #NameTypeAssetsParticipantsLatest year
003NORTHERN CREDIT UNION 401(K) PLAN401k$9.6M782025
002NORTHERN CREDIT UNION COLLECTIVE BARGAINING UNIT ENCHANCED RETIREMENT PLAN401k$4.0M1102025

Welfare plans2

Plan #NameFundingCarrierPremiumsCoveredLatest year
520NORTHERN CREDIT UNION WELFARE BENEFITS PLANFully InsuredMVP HEALTHCARE$1.8M2332025
525NORTHERN CREDIT UNION HEALTH REIMBURSEMENT ARRANGEMENT SECTION 105 PLANSelf Funded-$002025
Retirement plans
Welfare plans
PlanOptica

Plan research for advisors and brokers. Retirement and welfare filings, peer-ranked and a decade deep, sourced to the line.

Product
  • Retirement plans
  • Welfare plans
  • Providers
  • Pricing
Data
  • Downloads hub
  • Retirement plans CSV
  • Welfare plans CSV
  • Custom analytics
Resources
  • Free ERISA search
  • Free EIN lookup
  • Documentation
  • Filter catalog
  • Glossary
Company
  • About
  • Contact
  • Privacy
  • Terms
© 2026 PlanOptica