Form 5500 · Employee benefit plan · FERNDALE, MI
CREDIT UNION ONE
The filing calls this plan CREDIT UNION ONE HEALTH & WELFARE PLAN.
CREDIT UNION ONE of FERNDALE, MI files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is KIMBERLY PERKINS. Coverage is written through BLUE CROSS BLUE SHIELD OF MICHIGAN and 7 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 38-0536242 · plan 501 · plan year 2025, filed Jun 8, 2026
Get an email when this employer files a new Form 5500, and again about four months before its plan renews.
1,931 other employer plans in Michigan 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
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, 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 11 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS BLUE SHIELD OF MICHIGAN, covers 247 people.
Reported premium across the insured contracts is $3,816,780, with $145,718 in disclosed broker commissions — about 3.8% 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.
KIMBERLY PERKINS is the broker of record on 2 of the 11 contracts; the rest name a different broker or none.
8 carriers appear on the filing, including BLUE CROSS BLUE SHIELD OF MICHIGAN, BLUE CARE NETWORK OF MICHIGAN, UNUM LIFE INSURANCE COMPANY OF AMERICA and DELTA DENTAL OF MICHIGAN. BLUE CROSS BLUE SHIELD OF MICHIGAN writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN | Health | 247 | Jan 1, 2026 | $1,793,461 | $50,581 |
| BLUE CARE NETWORK OF MICHIGAN | Health | 216 | Jan 1, 2026 | $1,350,717 | $41,609 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | — | 363 | Jan 1, 2026 | $74,273 | $17,157 |
| ULLIANCE, INC. | — | 330 | Jan 1, 2026 | $13,617 | $13,617 |
| DELTA DENTAL OF MICHIGAN | Dental | 513 | Jan 1, 2026 | $213,028 | $7,819 |
| NATIONAL VISION ADMINISTRATORS, LLC | Vision | 449 | Jan 1, 2026 | $44,596 | $6,689 |
| UNUM INSURANCE COMPANY | — | 124 | Jan 1, 2026 | $27,309 | $3,776 |
| UNUM INSURANCE COMPANY | — | 60 | Jan 1, 2026 | $16,582 | $2,299 |
| UNUM INSURANCE COMPANY | — | 97 | Jan 1, 2026 | $15,733 | $2,171 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 634 | Jan 1, 2026 | $244,301 | $0 |
| FIRST STOP HEALTH, LLC | — | 321 | Jan 1, 2026 | $23,163 | $0 |
Premium and claims on these contracts
BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 131143. For the contract year on this filing, the carrier reported $1,793,461 in premium earned and $2,255,326 in claims incurred. Dividing one by the other gives 126%.
BLUE CARE NETWORK OF MICHIGAN, contract 131143. For the contract year on this filing, the carrier reported $1,350,717 in premium earned and $781,495 in claims incurred. Dividing one by the other gives 58%.
DELTA DENTAL OF MICHIGAN, contract 3694. For the contract year on this filing, the carrier reported $195,380 in premium earned and $160,249 in claims incurred. Dividing one by the other gives 82%.
- BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 131143 reported $480,581 in retention.
- BLUE CARE NETWORK OF MICHIGAN, contract 131143 reported $352,572 in retention.
- DELTA DENTAL OF MICHIGAN, contract 3694 reported $27,551 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
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
Subscribers see how this compares with similar plans in Michigan. A subscription also adds this plan's filing history and the renewal calendar for its state. See plans and prices
Without an account you can open 10 employer, broker and carrier pages a day, including through an AI assistant, and 50 a day with a free account. Paid plans are what keep these records free to read.
Renewal calendar
1,931 other employer plans in Michigan are January 1 renewals (policy year ends December).
Their policy years end in December, like this plan’s, so most renew January 1. The calendar lists every insured group by renewal date and state, with broker of record, carrier and disclosed commission. You can preview the five largest in each month for free.
Claude & ChatGPT
Look up records from Claude or ChatGPT
Add Form5500Lookup to Claude or ChatGPT and ask about any employer, broker or carrier in plain English. Lookups are free. Renewal lists, full books of business and exports are included with a subscription.
Building a list or a tool from these records? Match a list you already have from $29 per 1,000 records, or license the whole dataset as a weekly file for $499 a month. See both
More employer plans in Michigan — largest plans, brokers, carriers and renewal months.