Form 5500 · Employee benefit plan · ITHACA, NY
BEGINNINGS CREDIT UNION BENEFIT PLAN
BEGINNINGS CREDIT UNION BENEFIT PLAN of ITHACA, NY insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is BROWN & BROWN INSURANCE SERVICES. Coverage is written through EXCELLUS BLUE CROSS BLUE SHIELD and 5 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 15-0574036 · plan 506 · plan year 2025, filed Jun 22, 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
Also declared: death benefits.
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.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
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 6 insured contracts covering health, dental, vision, life and disability; the largest, with EXCELLUS BLUE CROSS BLUE SHIELD, covers 146 people.
Reported premium across the insured contracts is $2,539,233, with $108,021 in disclosed broker commissions — about 4.3% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
BROWN & BROWN INSURANCE SERVICES is the broker of record on all 6 contracts.
6 carriers appear on the filing, including EXCELLUS BLUE CROSS BLUE SHIELD, DELTA DENTAL OF NEW YORK, MUTUAL OF OMAHA INSURANCE COMPANY and COMPANION LIFE INSURANCE COMPANY. EXCELLUS BLUE CROSS BLUE SHIELD writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| EXCELLUS BLUE CROSS BLUE SHIELD | Health | 146 | Jan 1, 2026 | $2,285,906 | $76,956 |
| MUTUAL OF OMAHA INSURANCE COMPANY | Life, Disability | 229 | Jan 1, 2026 | $66,696 | $10,004 |
| DELTA DENTAL OF NEW YORK | Dental | 168 | Jan 1, 2026 | $95,647 | $9,562 |
| COMPANION LIFE INSURANCE COMPANY | Life | 229 | Jan 1, 2026 | $47,287 | $7,093 |
| UNITEDHEALTHCARE INSURANCE COMPANY | — | 49 | Jan 1, 2026 | $26,674 | $3,404 |
| VISION SERVICE PLAN | Vision | 142 | Jan 1, 2026 | $17,023 | $1,002 |
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.
Other plans filed by this employer
How this plan compares
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