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Sponsor portfolioWelfare / HealthEIN 03-0214269
HERITAGE FAMILY CREDIT UNION
30 ALLEN STREET · RUTLAND, VT 05701
8882528932
- Plans filed
- 4
- Years active
- 2015–2025
- Industry
- NAICS —
- Latest filing
- 2025
Total premiums (latest)
$2.6M
No prior year
Persons covered
380
No prior year
Total participants
185
No prior year
Plans filed
4
No prior year
Plans under this sponsor
4 plans
Plan #504$2.6M
HERITAGE FAMILY CREDIT UNION EMPLOYEE BENEFITS PLAN
Fully insured380 covered·4 carriers
Primary: CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES
Plan #501$97K
HERITAGE FAMILY FEDERAL CREDIT UNION PREPAID DENTAL CARE PLAN
Fully insured198 covered·1 carrier
Primary: DELTA DENTAL PLAN OF VERMONT, INC.
Plan #502$82K
HERITAGE FAMILY FEDERAL CREDIT UNION LIFE, ADD, DISABILITY PLAN
Mixed154 covered·1 carrier
Primary: LIFE INSURANCE COMPANY OF NORTH AMERICA
Plan #503$27K
HERITAGE FAMILY FEDERAL CREDIT UNION LONG TERM DISABILITY PLAN
Fully insured142 covered·1 carrier
Primary: THE LINCOLN NATIONAL LIFE INSURANCE COMPANY
Coverage overview
Aggregate, latest year
| Benefit type | Premium | Share | Distribution |
|---|---|---|---|
| Health | $2.3M | 89.0% | |
| Dental | $128K | 4.9% | |
| Short-term disability | $48K | 1.8% | |
| Long-term disability | $42K | 1.6% | |
| Life | $27K | 1.0% | |
| Other | $27K | 1.0% | |
| Vision | $15K | 0.6% |
Carrier overview
4 carriers · all plans
| Carrier | Coverage | Total premium | Share | Plans | Contracts | Covered |
|---|---|---|---|---|---|---|
EIN 591031071 | H | $2.3M | 89.9% | 1 | 1 | 161 |
EIN 030219391 | D | $128K | 5.0% | 1 | 1 | 258 |
EIN 470322111 | LSTDLTDOth | $116K | 4.5% | 1 | 3 | 181 |
EIN 470098400 | V | $15K | 0.6% | 1 | 1 | 380 |
Broker overview
2 brokers · all plans
| Broker | Loc | Carriers | Commissions | Fees | Total comp | Share | Plans |
|---|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC | CONCORD, NH | UNITED OF OMAHA LIFE INSURANCE COMPANY, AMERITAS LIFE INSURANCE CORP | $11K | $7K | $18K | 72.5% | 1 |
| NEW ENGLAND EMPLOYEE BENEFITS CO | CONCORD, NH | AMERITAS LIFE INSURANCE CORP, DELTA DENTAL PLAN OF VERMONT, INC. | $7K | $123 | $7K | 27.5% | 1 |
History & trajectory
11 years · all plans
Total premiums
Summed across all plans for this sponsor.
Persons covered
EOY headcount summed across all plans.
Carrier mix
Premium by top carriers, summed across plans.
Broker compensation
Comp by top brokers, summed across plans.
Policy details
Latest year, by plan