Form 5500 · Employee benefit plan · LAKELAND, FL
MIDFLORIDA CREDIT UNION
The filing calls this plan MID FLORIDA CREDIT UNION WELFARE BENEFIT PLAN.
MIDFLORIDA CREDIT UNION of LAKELAND, FL is a 1,020-participant finance and insurance employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is LANCE ACKERMAN. Coverage is written through SUN LIFE ASSURANCE COMPANY OF CANADA and 4 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 59-6194363 · plan 504 · plan year 2025, filed Jul 2, 2026
Get an email when this employer files a new Form 5500, and again about four months before its plan renews.
2,208 other employer plans in Florida 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
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
One contract on this filing does not say which benefits it covers, so a line above may be insured by it.
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.
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 9 insured contracts covering dental, vision, life, disability and stop-loss; the largest, with SUN LIFE ASSURANCE COMPANY OF CANADA, covers 1,014 people.
The filing declares dental, vision, life, disability and health. Health 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 the contract here that does not say what it covers.
The only insured piece of the health benefit is stop-loss coverage, and the filing reports the plan paying its own claims. The stop-loss contract reports $1,357,422 in premium and $67,871 in commission. The rest of the premium and commission above is on the plan's other insured lines, and none of it is medical premium.
Reported premium across the insured contracts is $2,809,356, with $235,512 in disclosed broker commissions — about 8.4% 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.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| AFLAC | Life, Disability | 849 | Jan 1, 2026 | $564,490 | $87,427 |
| SUN LIFE ASSURANCE COMPANY OF CANADA | Stop-loss | 1,014 | Jan 1, 2026 | $1,357,422 | $67,871 |
| AFLAC | Life, Disability | 294 | Jan 1, 2026 | $188,319 | $22,838 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life, Disability | 1,208 | Jan 1, 2026 | $161,402 | $16,140 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 553 | Jan 1, 2026 | $156,327 | $15,633 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life, Disability | 393 | Jan 1, 2026 | $114,596 | $11,460 |
| SUN LIFE ASSURANCE COMPANY OF CANADA | — | 348 | Jan 1, 2026 | $86,917 | $9,421 |
| VISION SERVICE PLAN | Vision | 1,021 | Jan 1, 2026 | $135,064 | $2,929 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental | 1,060 | Jan 1, 2026 | $44,819 | $1,793 |
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
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