Form 5500 · Employee benefit plan · WEST JORDAN, UT
CYPRUS FEDERAL CREDIT UNION
The filing calls this plan GROUP HEALTH PLAN.
CYPRUS FEDERAL CREDIT UNION of WEST JORDAN, UT files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is PCF ENCORE BENEFITS/GARY LEE FISCHE. Coverage is written through EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC and 1 other carrier. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 87-0127320 · plan 503 · plan year 2024, filed Jun 12, 2025
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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
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 4 insured contracts covering health, dental and vision; the largest, with EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC, covers 517 people.
Reported premium across the insured contracts is $3,835,665, with $156,026 in disclosed broker commissions — about 4.1% 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.
PCF ENCORE BENEFITS/GARY LEE FISCHE is the broker of record on all 4 contracts.
Two carriers split the book: EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC and VISION SERVICE PLAN.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | Health | 517 | Jan 1, 2025 | $3,575,692 | $143,028 |
| EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | Dental | 584 | Jan 1, 2032 | $215,055 | $10,752 |
| VISION SERVICE PLAN | Vision | 513 | Jan 1, 2025 | $44,918 | $2,246 |
| EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | — | 25 | Jan 1, 2025 | — | $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
How this plan compares
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