Form 5500 · Employee benefit plan · PITTSFIELD, MA
GREYLOCK FEDERAL CREDIT UNION
The filing calls this plan GREYLOCK EMPLOYEE BENEFIT PLAN.
GREYLOCK FEDERAL CREDIT UNION of PITTSFIELD, MA spreads its employee benefits across 4 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is BROWN AND BROWN INSURANCE SERVICES. Coverage is written through BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 04-2230576 · plan 504 · plan year 2025, filed Jul 29, 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
2 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
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.
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 5 insured contracts covering health, vision, life and disability; the largest, with BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., covers 409 people.
The filing declares health, vision, life, disability and dental. Dental 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 one of the 2 contracts here that do not say what they cover.
Reported premium across the insured contracts is $4,367,642, with $156,134 in disclosed broker commissions — about 3.6% 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 AND BROWN INSURANCE SERVICES is the broker of record on 4 of the 5 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | Health | 409 | Jan 1, 2026 | $4,121,791 | $124,090 |
| SUN LIFE ASSURANCE COMPANY OF CANADA | Life, Disability | 279 | Jan 1, 2026 | $175,496 | $26,317 |
| SUN LIFE ASSURANCE COMPANY OF CANADA | — | 58 | Jan 1, 2026 | $27,886 | $4,241 |
| VISION SERVICE PLAN | Vision | 164 | Jan 1, 2026 | $33,442 | $1,486 |
| ESI EMPLOYEE ASSISTANCE GROUP | — | 313 | Jan 1, 2026 | $9,027 | $0 |
Premium and claims on this contract
BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., contract 4957316. For the contract year on this filing, the carrier reported $4,121,791 in premium earned and $2,939,046 in claims incurred. Dividing one by the other gives 71%.
- BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., contract 4957316 reported $1,182,745 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
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