Water and Power Community Credit Union
Updated Filing received by DOL
Water and Power Community Credit Union, a finance & insurance employer in Los Angeles, California, reported 115 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 9 insurance contracts with no premium reported and $108,904 in broker commissions and fees. The plan is fully insured (an insurance carrier pays claims). The Department of Labor received the filing on September 10, 2026, within the extension window.
Who was paid on Water and Power Community 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 Water and Power Community Credit Union filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Gallagher · Irvine, CA | $97,506 | $5,628 | $103,134 | 10 |
| Denny P. Twigg · Newhall, CA | $2,249 | $0 | $2,249 | 1 |
| Hasson Financial Freedom, LLC · Long Beach, CA | $883 | $0 | $883 | 1 |
| Andres Orlando Trujillo & Others · Los Angeles, CA | $702 | $0 | $702 | 1 |
| Kevin Michael Nagle · Sierra Madre, CA | $552 | $0 | $552 | 1 |
| Gris Barron Ibarra · Newhall, CA | $499 | $0 | $499 | 1 |
| Trucordia Insurance Services, LLC · Woodland Hills, CA | $371 | $0 | $371 | 1 |
| Rosario Ronquillo · Van Nuys, CA | $364 | $0 | $364 | 1 |
| PCF Insurance SVCS of the W, LLC · Woodland Hills, CA | $148 | $0 | $148 | 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 |
|---|---|---|---|---|
| Kaiser Foundation Health Plan, Inc.health, prescription drug, HMO | 96 | — | $44,540 | — |
| United Concordia Insurance Companydental | 148 | — | $5,638 | — |
| Cigna Health and Life Insurance Company and Affiliateshealth, prescription drug, HMO, indemnity | 38 | — | $36,691 | — |
| Eyemed Vision Care on Behalf of Fidelity Security Life Insurance Co.vision | 192 | — | $1,109 | — |
| Symetra Life Insurance Companylife, short-term disability, long-term disability | 95 | — | $13,113 | — |
| Aflaclife | 26 | — | $5,409 | — |
| Provident Life and Accident Insurance Companycoverage not coded | 14 | — | $92 | — |
| Pre-Paid Legal Services Inc dba Legalshieldcoverage not coded | 23 | — | $1,338 | — |
| United Concordia Dental Plans of California, Inc.dental | 43 | — | $974 | — |
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 Water and Power Community 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 | 121 | 115 | −5.0% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $105,442 | $108,904 | +3.3% |
| 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 |
|---|---|---|---|---|
| Water and Power Benefit Plan#501 · insurance | December 31, 2025 | September 10, 2026 | within extension | 115 |
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 Water and Power Community Credit Union pay in health insurance broker commissions in 2025?
Water and Power Community Credit Union's 2025 Form 5500 reports $108,904 in broker commissions and fees across 9 insurance contracts ($103,276 in commissions, $5,628 in fees), with Gallagher receiving the largest share.
Is Water and Power Community 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 Kaiser Foundation Health Plan, Inc., Cigna Health and Life Insurance Company and Affiliates.
How does Water and Power Community Credit Union's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Water and Power Community Credit Union because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 100-199 participants that disclosed broker pay reported a median of $53,852.
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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.