PlanOptica
Free ERISA searchPricing
Sign inStart for $4.99
  1. Welfare plans/
  2. Sponsors/
  3. NORTHLAND AREA FEDERAL CREDIT UNION

Open any plan below to see its carriers, broker commissions and premiums.

Solo shows those sections on each welfare plan. Your first month is $4.99.

Start for $4.99
Sponsor portfolioWelfare / HealthEIN 38-1566261

NORTHLAND AREA FEDERAL CREDIT UNION

1161 N BAGLEY STREET · ALPENA, MI 49707
8003362328
Plans filed
1
Years active
2015–2025
Industry
NAICS 52
Latest filing
2025
Total premiums (latest)
$1.6M
No prior year
Persons covered
277
No prior year
Total participants
175
No prior year
Plans filed
1
No prior year

Plans under this sponsor

1 plan
Plan #505$1.6M
NORTHLAND AREA FCU HEALTH AND WELFARE PLAN
Fully insured277 covered·5 carriers
Primary: BLUE CROSS BLUE SHIELD OF MICHIGAN

Coverage overview

Aggregate, latest year
Benefit typePremiumShareDistribution
Health$1.4M41.5%
Vision$1.1M31.8%
Prescription drug$328K9.7%
Other$133K3.9%
Life$111K3.3%
Short-term disability$111K3.3%
Long-term disability$111K3.3%
Dental$110K3.3%

Carrier overview

5 carriers · all plans
CarrierCoverageTotal premiumSharePlansContractsCovered
BLUE CROSS OF CALIFORNIA
EIN 382069753
HV
$1.1M65.3%11268
BLUE CARE NETWORK OF MICHIGAN
EIN 382359234
HRx
$328K20.0%1166
DEARBORN LIFE INSURANCE COMPANY
EIN 362598882
LSTDLTDOth
$111K6.7%11175
DELTA DENTAL OF CALIFORNIA
EIN 381791480
D
$110K6.7%11277
UNUM LIFE INSURANCE COMPANY OF AMERICA
EIN 042381280
Oth
$22K1.3%1137

Broker overview

4 brokers · all plans
BrokerLocCarriersCommissionsFeesTotal compSharePlans
ANJA HARMONGRAND RAPIDS, MIBLUE CROSS BLUE SHIELD OF MICHIGAN, BLUE CARE NETWORK OF MICHIGAN$32K$0$32K53.3%1
DOUG CALKINSGRAND RAPIDS, MIBLUE CROSS BLUE SHIELD OF MICHIGAN, BLUE CARE NETWORK OF MICHIGAN$14K$0$14K23.8%1
HUB INTERNATIONAL MIDWEST LIMITEDGRAND RAPIDS, MIBLUE CROSS BLUE SHIELD OF MICHIGAN, BLUE CARE NETWORK OF MICHIGAN, UNUM INSURANCE COMPANY, DELTA DENTAL OF MICHIGAN$6K$5K$11K18.6%1
LIGHTHOUSE GROUPGRAND RAPIDS, MIUNUM INSURANCE COMPANY, DELTA DENTAL OF MICHIGAN$2K$107$3K4.3%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
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