US Eagle Federal Credit Union
Updated Filing received by DOL
US Eagle Federal Credit Union, a finance & insurance employer in Albuquerque, New Mexico, reported 321 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $184,076 in insurance premiums across 10 contracts and $240,066 in broker commissions and fees. The plan is fully insured (an insurance carrier pays claims). The Department of Labor received an amended filing on July 14, 2026; the original filing date is not in the public dataset.
Who was paid on US Eagle 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 US Eagle Federal Credit Union filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| HUB International · Denver, CO | $186,697 | $16,967 | $203,664 | 9 |
| Noah G Oropeza · Litchfield Park, AZ | $0 | $30,667 | $30,667 | 2 |
| Noah Oropeza · Litchfield Park, AZ | $5,030 | $0 | $5,030 | 3 |
| Connie Garcia · Albuquerque, NM | $426 | $0 | $426 | 1 |
| Judy a Johnston · Albuquerque, NM | $242 | $0 | $242 | 1 |
| Valorie Romero · Albuquerque, NM | $37 | $0 | $37 | 1 |
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 |
|---|---|---|---|---|
| Delta Dental of New Mexicodental | 503 | $184,076 | $8,408 | 4.6% |
| Cigna Health and Life Insurance Companyhealth | 224 | — | $154,069 | — |
| Vision Service Planvision | 250 | — | $1,529 | — |
| Unum Life Insurance Company of Americalife | 194 | — | $12,501 | — |
| Unum Life Insurance Company of Americalife, short-term disability, long-term disability | 312 | — | $48,813 | — |
| Unum Insurance Companycoverage not coded | 115 | — | $4,409 | — |
| Unum Insurance Companycoverage not coded | 97 | — | $5,155 | — |
| Unum Insurance Companycoverage not coded | 76 | — | $4,465 | — |
| Provident Life and Accident Insurance Companylife | 3 | — | $12 | — |
| Pre-Paid Legal Services Inc dba Legalshieldcoverage not coded | 33 | — | $705 | — |
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 US Eagle 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 | 312 | 321 | +2.9% |
| Premiums filed | $147,619 | $184,076 | not comparable |
| Broker commissions + fees | $192,889 | $240,066 | +24.5% |
| 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 |
|---|---|---|---|---|
| US Eagle Federal Credit Union Health and Dental Plan#504 · amended · insurance | December 31, 2025 | July 14, 2026 | amended filing; original date not in data | 321 |
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 US Eagle Federal Credit Union pay in health insurance broker commissions in 2025?
US Eagle Federal Credit Union's 2025 Form 5500 reports $240,066 in broker commissions and fees across 10 insurance contracts ($192,432 in commissions, $47,634 in fees), with HUB International receiving the largest share.
Is US Eagle Federal Credit Union's health plan self-funded or fully insured?
The 2025 filing indicates the plan is fully insured (an insurance carrier pays claims). Medical coverage is written by Cigna Health and Life Insurance Company.
How does US Eagle Federal Credit Union's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for US Eagle Federal Credit Union because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 200-499 participants that disclosed broker pay reported a median of $77,013.
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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.