Form 5500 · Employee benefit plan · ORLANDO, FL
MCCOY FEDERAL CREDIT UNION
The filing calls this plan MCCOY FEDERAL CREDIT UNION SECTION 125 PLAN.
MCCOY FEDERAL CREDIT UNION of ORLANDO, FL is a 193-participant finance and insurance employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is RENAISSANCE BENEFIT ADVISORS. Coverage is written through PAN-AMERICAN LIFE INSURANCE COMPANY and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 59-0772729 · plan 510 · plan year 2025, filed Sep 24, 2026
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How this plan is funded
Self-funded as reported
The filing reports a stop-loss contract and no medical premium, which is what a plan that pays its own claims reports.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
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 3 insured contracts covering health, dental, vision, life, disability and stop-loss; the largest, with PAN-AMERICAN LIFE INSURANCE COMPANY, covers 529 people.
The medical plan carries stop-loss coverage: the filing reports the plan paying its own health claims, with insured protection against large ones.
Reported premium across the insured contracts is $555,036, with $63,873 in disclosed broker commissions — about 12% 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.
RENAISSANCE BENEFIT ADVISORS is the broker of record on all 3 contracts.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| PAN-AMERICAN LIFE INSURANCE COMPANY | Stop-loss | 529 | Jan 1, 2026 | $327,696 | $32,770 |
| PRINCIPAL LIFE INSURANCE COMPANY | Health, Dental, Life, Disability | 248 | Jan 1, 2026 | $212,123 | $29,709 |
| METROPOLITAN LIFE INSURANCE COMPANY | Vision | 203 | Jan 1, 2026 | $15,217 | $1,394 |
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. The service providers are named on Schedule C of this filing. We publish company names only.
Other plans filed by this employer
How this plan compares
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