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Sponsor portfolioWelfare / HealthEIN 15-0540550

SIDNEY FEDERAL CREDIT UNION

42 UNION ST · SIDNEY, NY 138381440
6075617331
Plans filed
2
Years active
2016–2025
Industry
NAICS 52
Latest filing
2025
Total premiums (latest)
$2.4M
No prior year
Persons covered
204
No prior year
Total participants
206
No prior year
Plans filed
2
No prior year

Plans under this sponsor

2 plans
Plan #505$2.4M
SIDNEY FEDERAL CREDIT UNION WELFARE BENEFIT PLAN
Fully insured204 covered·2 carriers
Primary: EXCELLUS BLUE CROSS BLUE SHIELD
Plan #502$1.1M
SIDNEY FEDERAL CREDIT UNION HEALTH PLAN
Fully insured99 covered·1 carrier
Primary: EXCELLUS BLUE CROSS BLUE SHIELD

Coverage overview

Aggregate, latest year
Benefit typePremiumShareDistribution
Health$2.2M39.5%
Prescription drug$2.2M39.5%
Dental$230K4.2%
Vision$230K4.2%
Life$230K4.2%
Short-term disability$230K4.2%
Long-term disability$230K4.2%

Carrier overview

2 carriers · all plans
CarrierCoverageTotal premiumSharePlansContractsCovered
BLUE CROSS OF CALIFORNIA
EIN 150329043
HRx
$2.2M90.4%11129
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA
EIN 135123390
DVLSTDLTD
$230K9.6%11204

Broker overview

2 brokers · all plans
BrokerLocCarriersCommissionsFeesTotal compSharePlans
GCG FINANCIAL LLCLAKE PLACID, NYEXCELLUS BLUE CROSS BLUE SHIELD, THE GUARDIAN INSURANCE CARRIER OF AMERICA$92K$8K$101K89.9%1
CENTRO BENEFITS RESEARCH LLCKIRKWOOD, MOTHE GUARDIAN INSURANCE CARRIER OF AMERICA$11K$0$11K10.1%1

History & trajectory

10 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
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