Form 5500 · Employee benefit plan · PORTLAND, OR
ONPOINT COMMUNITY CREDIT UNION
The filing calls this plan ONPOINT COMMUNITY CREDIT UNION HEALTH AND WELFARE PLAN.
ONPOINT COMMUNITY CREDIT UNION of PORTLAND, OR is a 1,166-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 WOODRUFF-SAWYER & COMPANY. Coverage is written through PROVIDENCE HEALTH PLAN and 5 other carriers. The plan's most recent policy period ended in August.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 93-0257765 · plan 501 · plan year 2025, filed May 13, 2026
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21 other employer plans in Oregon 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
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
One contract on this filing does not say which benefits it covers, so a line above may be insured by it.
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 8 insured contracts covering health, vision, life and disability; the largest, with PROVIDENCE HEALTH PLAN, covers 1,561 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 the contract here that does not say what it covers.
Reported premium across the insured contracts is $17,404,373, with $38,188 in disclosed broker commissions — about 0.2% of premium.
The health contract's policy period ended in August, while at least one ancillary line's policy period ended in December. The plan is on a split renewal cycle.
WOODRUFF-SAWYER & COMPANY is the broker of record on 1 of the 8 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| TRANSAMERICA LIFE INSURANCE COMPANY | Health | 955 | Sep 1, 2025 | $169,605 | $36,580 |
| ZURICH AMERICAN INSURANCE COMPANY | — | 1,199 | Jan 1, 2026 | $5,361 | $1,608 |
| PROVIDENCE HEALTH PLAN | Health | 1,561 | Jan 1, 2026 | $12,555,322 | $0 |
| KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | Health | 560 | Jan 1, 2026 | $3,779,773 | $0 |
| STANDARD INSURANCE COMPANY | Life | 1,199 | Jan 1, 2026 | $413,872 | $0 |
| STANDARD INSURANCE COMPANY | Disability | 1,199 | Jan 1, 2026 | $245,281 | $0 |
| VISION SERVICE PLAN | Vision | 1,234 | Jan 1, 2026 | $144,857 | $0 |
| STANDARD INSURANCE COMPANY | Disability | 1,199 | Jan 1, 2026 | $90,302 | $0 |
Premium and claims on these contracts
STANDARD INSURANCE COMPANY, contract 164401. For the contract year on this filing, the carrier reported $413,872 in premium earned and $417,012 in claims incurred. Dividing one by the other gives 101%.
STANDARD INSURANCE COMPANY, contract 164401. For the contract year on this filing, the carrier reported $245,281 in premium earned and $433,065 in claims incurred. Dividing one by the other gives 177%.
VISION SERVICE PLAN, contract 30005520. For the contract year on this filing, the carrier reported $144,857 in premium earned and $110,003 in claims incurred. Dividing one by the other gives 76%.
STANDARD INSURANCE COMPANY, contract 164401. For the contract year on this filing, the carrier reported $90,302 in premium earned and $27,744 in claims incurred. Dividing one by the other gives 31%.
- STANDARD INSURANCE COMPANY, contract 164401 reported $68,848 in retention.
- STANDARD INSURANCE COMPANY, contract 164401 reported $72,666 in retention.
- VISION SERVICE PLAN, contract 30005520 reported $23,177 in retention.
- STANDARD INSURANCE COMPANY, contract 164401 reported $50,728 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
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