Form 5500 · Employee benefit plan · CAPITOLA, CA
BAY FEDERAL CREDIT UNION
The filing calls this plan BAY FEDERAL CREDIT UNION WELFARE BENEFIT PLAN.
BAY FEDERAL CREDIT UNION of CAPITOLA, CA files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is PBG PROFESSIONAL INSURANCE SERVICES. Coverage is written through SUTTER HEALTH PLAN and 8 other carriers. The plan's most recent policy period ended in June.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 94-1448021 · plan 501 · plan year 2025, filed Jan 7, 2026
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How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
6 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
Also declared: other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 10 insured contracts covering health, dental, vision and life; the largest, with SUTTER HEALTH PLAN, covers 293 people.
The filing declares health, dental, vision, life and disability. Disability appears with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on one of the 6 contracts here that do not say what they cover.
Reported premium across the insured contracts is $3,322,358, with $146,551 in disclosed broker commissions — about 4.4% of premium.
The health contract's policy period ended in June, while at least one ancillary line's policy period ended in May. The plan is on a split renewal cycle.
PBG PROFESSIONAL INSURANCE SERVICES is the broker of record on 1 of the 10 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| SUTTER HEALTH PLAN | Health | 293 | Jul 1, 2025 | $2,115,988 | $84,640 |
| KAISER FOUNDATION HEALTH PLAN, INC. | — | 90 | Jul 1, 2025 | $676,029 | $29,405 |
| DELTA DENTAL | Dental | 208 | Jul 1, 2025 | $252,423 | $20,181 |
| KAISER FOUNDATION HEALTH PLAN, INC. | — | 18 | Jul 1, 2025 | $112,764 | $4,457 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life | 237 | Jul 1, 2025 | $21,525 | $3,229 |
| KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | — | 9 | Jul 1, 2025 | $56,329 | $2,552 |
| VISION SERVICE PLAN | Vision | 202 | Jul 1, 2025 | $36,899 | $2,087 |
| KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | — | 4 | Jul 1, 2025 | $27,154 | $0 |
| EMPATHIA PACIFIC, INC. | — | 254 | Jul 1, 2025 | $11,979 | $0 |
| KAISER FOUNDATION HEALTH PLAN OF COLORADO | — | 1 | Jun 1, 2025 | $11,268 | $0 |
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
How this plan compares
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