Form 5500 · Employee benefit plan · MERRIFIELD, VA
NAVY FEDERAL CREDIT UNION
The filing calls this plan NAVY FEDERAL CREDIT UNION WELFARE BENEFITS PLAN.
NAVY FEDERAL CREDIT UNION of MERRIFIELD, VA insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is MERCER HEALTH AND BENEFITS, LLC. Coverage is written through KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. and 12 other carriers. The plan's most recent policy period ended in June.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 53-0116705 · plan 502 · plan year 2025, filed Jul 23, 2026
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167 other employer plans in Virginia have policy years ending in June. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
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
Health: the largest of the 7 insured health contracts, with KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC., covers 1,243 of 24,847 participants (5%) on Schedule A.
Dental: AETNA LIFE INSURANCE COMPANY covers 43 of 24,847 participants (0.2%) on Schedule A.
Also declared: prepaid legal, 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 15 insured contracts covering health, dental, vision, life and disability.
Reported premium across the insured contracts is $35,885,219, with $566,897 in disclosed broker commissions — about 1.6% of premium.
The health contract's policy period ended in June, while at least one ancillary line's policy period ended in December. The plan is on a split renewal cycle.
MERCER HEALTH AND BENEFITS, LLC is the broker of record on 5 of the 15 contracts; the rest name a different broker or none.
13 carriers appear on the filing, including KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC., SECURIAN LIFE INSURANCE COMPANY, VISION SERVICE PLAN and LIFE INSURANCE COMPANY OF NORTH AMERICA. KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| SECURIAN LIFE INSURANCE COMPANY | Life | 44,089 | Jan 1, 2026 | $7,476,066 | $307,340 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Health, Disability | 25,170 | Jul 1, 2025 | $3,661,261 | $158,782 |
| ARAG INSURANCE COMPANY | — | 2,970 | Jan 1, 2026 | $425,960 | $63,894 |
| AETNA LIFE INSURANCE COMPANY | Health, Dental, Vision | 43 | Jan 1, 2026 | $267,929 | $26,773 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | — | 50 | Jan 1, 2026 | $67,387 | $10,108 |
| KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | Health | 1,243 | Jan 1, 2026 | $9,372,793 | $0 |
| VISION SERVICE PLAN | Vision | 20,896 | Jan 1, 2026 | $4,901,052 | $0 |
| METROPOLITAN LIFE INSURANCE COMPANY | Disability | 25,060 | Jan 1, 2026 | $3,176,987 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 511 | Jan 1, 2026 | $2,841,171 | $0 |
| SPRING HEALTH | — | 53,727 | Jan 1, 2026 | $1,525,382 | $0 |
| KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | Health | 66 | Jan 1, 2026 | $513,747 | $0 |
| SECURIAN LIFE INSURANCE COMPANY | — | 12,866 | Jan 1, 2026 | $499,663 | $0 |
| KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | Health | 49 | Jan 1, 2026 | $492,544 | $0 |
| JANUS ASSOCIATES, INC. DBA BHS | — | 24,972 | Jul 1, 2025 | $445,001 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 30 | Jan 1, 2026 | $218,276 | $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.
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