Form 5500 · Employee benefit plan · MERIDIAN, ID
CAPITAL EDUCATORS FCU
The filing calls this plan CAPITAL EDUCATORS FCU HEALTH & WELFARE BENEFITS PLAN.
CAPITAL EDUCATORS FCU of MERIDIAN, ID insures dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is THE PARTNERS GROUP. Coverage is written through UNITED HERITAGE LIFE INSURANCE COMPANY and 4 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 82-0212120 · plan 501 · plan year 2025, filed Jul 14, 2026
Get an email when this employer files a new Form 5500, and again about four months before its plan renews.
354 other employer plans in Idaho have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Funding not settled by the filing
The filing does not report enough to settle how this plan pays for benefits.
Benefits declared on this filing
One contract on this filing does not say which benefits it covers, so a line above may be insured by it.
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.
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 7 insured contracts covering dental, vision, life and disability; the largest, with UNITED HERITAGE LIFE INSURANCE COMPANY, covers 271 people.
The filing declares dental, vision, life, disability and health. Health 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 the contract here that does not say what it covers.
Reported premium across the insured contracts is $413,884, with $53,432 in disclosed broker commissions — about 13% 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.
THE PARTNERS GROUP is the broker of record on 2 of the 7 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| CONTINENTAL AMERICAN INSURANCE COMPANY | Disability | 88 | Jan 1, 2026 | $78,693 | $23,450 |
| UNITED HERITAGE LIFE INSURANCE COMPANY | Disability | 271 | Jan 1, 2026 | $123,979 | $12,398 |
| UNITED HERITAGE LIFE INSURANCE COMPANY | Life | 271 | Jan 1, 2026 | $72,375 | $9,266 |
| UNITED HERITAGE LIFE INSURANCE COMPANY | Disability | 271 | Jan 1, 2026 | $44,564 | $4,456 |
| AMERITAS LIFE INSURANCE CORP. | Vision | 218 | Jan 1, 2026 | $38,617 | $3,862 |
| BLUE CROSS OF IDAHO | Dental | 62 | Jan 1, 2026 | $43,819 | $0 |
| BPA HEALTH | — | 286 | Jan 1, 2026 | $11,837 | $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.
Other plans filed by this employer
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Renewal calendar
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