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Sponsor portfolioWelfare / HealthEIN 38-1489454
MEMBERS FIRST CREDIT UNION
P.O. BOX 2165 · MIDLAND, MI 48641
9898355100
- Plans filed
- 5
- Years active
- 2015–2025
- Industry
- NAICS 52
- Latest filing
- 2025
Total premiums (latest)
$3.0M
No prior year
Persons covered
461
No prior year
Total participants
235
No prior year
Plans filed
5
No prior year
Plans under this sponsor
5 plans
Plan #501$3.0M
MEMBERS FIRST CREDIT UNION HEALTH & WELFARE BENEFIT PLAN
Fully insured461 covered·4 carriers
Primary: BLUE CROSS BLUE SHIELD OF MICHIGAN
Plan #502$149K
MEMBERS FIRST CREDIT UNION
Fully insured397 covered·1 carrier
Primary: DELTA DENTAL OF MICHIGAN
Plan #504$76K
MEMBERS FIRST CREDIT UNION
Fully insured223 covered·1 carrier
Primary: THE LINCOLN NATIONAL LIFE INSURANCE COMPANY
Plan #503$61K
MEMBERS FIRST CREDIT UNION
Fully insured223 covered·1 carrier
Primary: THE LINCOLN NATIONAL LIFE INSURANCE COMPANY
Plan #505$28K
MEMBERS FIRST CREDIT UNION
Fully insured223 covered·1 carrier
Primary: THE LINCOLN NATIONAL LIFE INSURANCE COMPANY
Coverage overview
Aggregate, latest year
| Benefit type | Premium | Share | Distribution |
|---|---|---|---|
| Health | $2.5M | 31.2% | |
| Vision | $2.5M | 31.2% | |
| Prescription drug | $2.5M | 31.2% | |
| Dental | $197K | 2.4% | |
| Other | $123K | 1.5% | |
| Short-term disability | $89K | 1.1% | |
| Life | $81K | 1.0% | |
| Long-term disability | $39K | 0.5% |
Carrier overview
4 carriers · all plans
| Carrier | Coverage | Total premium | Share | Plans | Contracts | Covered |
|---|---|---|---|---|---|---|
EIN 382069753 | HRxV | $2.5M | 84.9% | 1 | 1 | 440 |
EIN 470322111 | LSTDLTDOth | $239K | 8.0% | 1 | 7 | 233 |
EIN 381791480 | D | $197K | 6.6% | 1 | 1 | 461 |
EIN 431698690 | Oth | $12K | 0.4% | 1 | 1 | 245 |
Broker overview
3 brokers · all plans
| Broker | Loc | Carriers | Commissions | Fees | Total comp | Share | Plans |
|---|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC | TROY, MI | UNITED OF OMAHA LIFE INSURANCE COMPANY, BLUE CROSS BLUE SHIELD OF MICHIGAN, DELTA DENTAL OF MICHIGAN | $43K | $18K | $61K | 44.9% | 1 |
| CHRISTOPHER M BOUSCHET | TROY, MI | BLUE CROSS BLUE SHIELD OF MICHIGAN | $43K | $0 | $43K | 31.8% | 1 |
| REBECCA A MCLAUGHLAN | TROY, MI | BLUE CROSS BLUE SHIELD OF MICHIGAN | $32K | $0 | $32K | 23.3% | 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