Form 5500 · Employee benefit plan · LOS ALAMOS, NM
DEL NORTE CREDIT UNION
The filing calls this plan COMBINED WELFARE.
DEL NORTE CREDIT UNION of LOS ALAMOS, NM is a 25-participant finance and insurance employer whose group benefits are disclosed in its annual Form 5500 filing. Coverage is written through STANDARD INSURANCE COMPANY. The plan's most recent policy period ended in October.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 85-0124035 · plan 509 · plan year 2025, filed Apr 23, 2026
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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
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 1 insured contract covering life and disability; the largest, with STANDARD INSURANCE COMPANY, covers 205 people.
Reported premium across the insured contracts is $202,695, with $10,208 in disclosed broker commissions — about 5% of premium.
The most recent policy period ended in October, and the plan year ends October 31. Group contracts typically renew on that annual cycle.
No broker of record is named on the Schedule A. The contracts may be written directly with the carrier, or the broker fields were left blank on the filing.
At 25 participants this is a small group; Form 5500 is required once a welfare plan reaches 100 participants, or when it is funded through insurance contracts.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| STANDARD INSURANCE COMPANY | Life, Disability | 205 | Nov 1, 2025 | $202,695 | $10,208 |
Premium and claims on this contract
STANDARD INSURANCE COMPANY, contract 171761. For the contract year on this filing, the carrier reported $202,695 in premium earned and $361,289 in claims incurred. Dividing one by the other gives 178%.
- STANDARD INSURANCE COMPANY, contract 171761 reported $172,108 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.
Other plans filed by this employer
How this plan compares
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