Form 5500 · Employee benefit plan · SANDY, UT
MOUNTAIN AMERICA CREDIT UNION
The filing calls this plan MOUNTAIN AMERICA FEDERAL CREDIT UNION CAFETERIA PLAN.
MOUNTAIN AMERICA CREDIT UNION of SANDY, UT is a 3,396-participant finance and insurance employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Its broker of record is THE PLEXUS GROUP LLC. Coverage is written through UNUM LIFE INSURANCE COMPANY OF AMERICA and 2 other carriers. The plan's most recent policy period ended in August.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 87-0172956 · plan 501 · plan year 2025, filed Sep 9, 2026
Get an email when this employer files a new Form 5500, and again about four months before its plan renews.
16 other employer plans in Utah have policy years ending in August. 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 names a third-party administrator on Schedule A and reports no medical premium.
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
Also declared: death benefits, 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 3 insured contracts covering vision, life and disability; the largest, with UNUM LIFE INSURANCE COMPANY OF AMERICA, covers 3,618 people.
The filing declares vision, life, disability, health and dental. Health and dental appear with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.
Reported premium across the insured contracts is $2,256,528, with $96,501 in disclosed broker commissions — about 4.3% of premium.
The most recent policy period ended in August, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
THE PLEXUS GROUP LLC is the broker of record on 1 of the 3 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 3,618 | Sep 1, 2025 | $1,244,655 | $62,233 |
| PRUDENTIAL INSURANCE COMPANY OF AMERICA | Life, Disability | 3,819 | Jan 1, 2026 | $685,362 | $34,268 |
| METROPOLITAN LIFE INSURANCE COMPANY | Vision | 5,826 | Jan 1, 2026 | $326,511 | $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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Renewal calendar
16 other employer plans in Utah are September 1 renewals (policy year ends August).
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