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Sponsor portfolioWelfare / HealthEIN 94-1448021

BAY FEDERAL CREDIT UNION

3333 CLARES ST · CAPITOLA, CA 950102546
8314778590
Plans filed
2
Years active
2016–2025
Industry
NAICS 52
Latest filing
2025
Total premiums (latest)
$3.3M
No prior year
Persons covered
293
No prior year
Total participants
293
No prior year
Plans filed
2
No prior year

Plans under this sponsor

2 plans
Plan #501$3.3M
BAY FEDERAL CREDIT UNION WELFARE BENEFIT PLAN
Mixed293 covered·9 carriers
Primary: SUTTER HEALTH PLAN
Plan #502$2.9M
BAY FEDERAL CREDIT UNION GROUP HEALTH PLAN
Fully insured204 covered·5 carriers
Primary: CALIFORNIA PHYSICIANS' SERVICE

Coverage overview

Aggregate, latest year
Benefit typePremiumShareDistribution
Health$2.1M38.8%
Prescription drug$2.1M38.8%
Other$917K16.8%
Dental$252K4.6%
Vision$37K0.7%
Life$22K0.4%

Carrier overview

6 carriers · all plans
CarrierCoverageTotal premiumSharePlansContractsCovered
SUTTER HEALTH PLAN
EIN 461183948
HRx
$2.1M63.7%11293
KAISER FOUNDATION HEALTH PLAN INC
EIN 941340523
Oth
$884K26.6%1590
DELTA DENTAL OF CALIFORNIA
EIN 941461312
D
$252K7.6%11208
VISION SERVICE PLAN
EIN 941632821
V
$37K1.1%11202
UNITED OF OMAHA LIFE INSURANCE COMPANY
EIN 470322111
LOth
$22K0.6%11237
EMPATHIA, INC.
EIN 953070501
Oth
$12K0.4%11254

Broker overview

4 brokers · all plans
BrokerLocCarriersCommissionsFeesTotal compSharePlans
PBG PROFESSIONAL INSURANCE SERVICESSANTA CRUZ, CASUTTER HEALTH PLAN$85K$0$85K57.1%1
PROGRESSIVE BENEFIT GROUPSANTA CRUZ, CAUNITED OF OMAHA LIFE INSUARNCE COMPANY, KAISER FOUNDATION HEALTH PLAN INC$37K$636$38K25.4%1
ACRISURE LLCGRAND RAPIDS, MIVISION SERVICE PLAN, KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST, DELTA DENTAL, KAISER FOUNDATION HEALTH PLAN INC$25K$1$25K16.7%1
GROUP BENEFITS LTDURBANDALE, IAUNITED OF OMAHA LIFE INSUARNCE COMPANY$0$1K$1K0.7%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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