California Federal Credit Union
Updated Filing received by DOL
California Federal Credit Union, a finance & insurance employer in Glendale, California, reported 521 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 10 insurance contracts with no premium reported and $190,801 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on September 24, 2026, before the deadline.
Who was paid on California Federal Credit Union's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract California Federal Credit Union filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| HUB International · San Diego, CA | $168,599 | $22,202 | $190,801 | 15 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2025, as published in EBSA's 2025 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Health & Human Resources Center, Inc.coverage not coded | 453 | — | — | — |
| Delta Dental of Californiadental | 118 | — | $1,748 | — |
| Life Insurance Company of North Americalife | 690 | — | $44,541 | — |
| Life Insurance Company of North Americalong-term disability | 487 | — | $21,807 | — |
| Vision Service Planvision | 451 | — | $2,799 | — |
| Delta Dental of Californiadental | 737 | — | $42,962 | — |
| Kaiser Foundation Health Plan Inc.health, prescription drug, HMO | 220 | — | $72,513 | — |
| Life Insurance Company of North Americacoverage not coded | 531 | — | $128 | — |
| Life Insurance Company of North Americacoverage not coded | 655 | — | $4,135 | — |
| Metlife Legal Planscoverage not coded | 74 | — | $168 | — |
Source: DOL Form 5500 Schedule A, plan year 2025. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How California Federal Credit Union compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Not computable: no insured medical premium on the filing.
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 521 | 521 | +0.0% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $182,820 | $190,801 | +4.4% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2024 and 2025.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| California Federal Credit Union Welfare Benefit Plan#501 · insurance, general assets | March 31, 2026 | September 24, 2026 | before deadline | 521 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did California Federal Credit Union pay in health insurance broker commissions in 2025?
California Federal Credit Union's 2025 Form 5500 reports $190,801 in broker commissions and fees across 10 insurance contracts ($168,599 in commissions, $22,202 in fees), with HUB International receiving the largest share.
Is California Federal Credit Union's health plan self-funded or fully insured?
The 2025 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Kaiser Foundation Health Plan Inc..
How does California Federal Credit Union's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for California Federal Credit Union because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 500-999 participants that disclosed broker pay reported a median of $104,902.
Send the full findings to your inbox.
A specialist writes up every finding for California Federal Credit Union with the methodology and public-source citations, in a form you can forward to your CFO or counsel. Tick the box if you also want a 15-minute walkthrough call.
We don't sell your email. By submitting, you agree that BenefitsLedger and its benefits advisory partner, WellthCare, may email or call you about these findings. Opt out anytime by replying. See our privacy policy.
Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.