Form 5500 · Employee benefit plan · MCLEAN, VA
PENTAGON FEDERAL CREDIT UNION
The filing calls this plan PENTAGON FEDERAL CREDIT UNION CAFETERIA BENEFIT PLAN.
Public Form 5500 records show how PENTAGON FEDERAL CREDIT UNION of MCLEAN, VA, a finance and insurance employer, structures its employee benefits. Its broker of record is THE MELTZER GROUP, INC.. Coverage is written through METROPOLITAN LIFE INSURANCE COMPANY and 14 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 53-0197038 · plan 507 · plan year 2025, filed Jun 15, 2026
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1,326 other employer plans in Virginia 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
Both, as reported
The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.
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
Health: the largest of the 8 insured health contracts, with TRIPLE S SALUD, INC., covers 129 of 4,531 participants (2.8%) on Schedule A.
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 15 insured contracts covering health, dental, vision, life and disability; the largest, with METROPOLITAN LIFE INSURANCE COMPANY, covers 4,766 people.
Reported premium across the insured contracts is $8,492,698, with $278,864 in disclosed broker commissions — about 3.3% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in April. The plan is on a split renewal cycle.
THE MELTZER GROUP, INC. is the broker of record on 3 of the 15 contracts; the rest name a different broker or none.
15 carriers appear on the filing, including METROPOLITAN LIFE INSURANCE COMPANY, STANDARD INSURANCE COMPANY, TRIPLE S SALUD, INC. and KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC. METROPOLITAN LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| RELIASTAR LIFE INSURANCE COMPANY | Health | 593 | Jan 1, 2026 | $463,941 | $121,353 |
| TRIPLE S SALUD, INC. | Health | 129 | Jan 1, 2026 | $1,519,449 | $75,972 |
| TRANSAMERICA LIFE INSURANCE COMPANY | Life | 274 | Jan 1, 2026 | $176,303 | $29,122 |
| KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | Health | 170 | Jan 1, 2026 | $1,464,805 | $28,514 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental | 34 | Jan 1, 2026 | $198,370 | $18,037 |
| FEDERAL INSURANCE COMPANY | — | — | Apr 28, 2025 | $35,375 | $5,306 |
| HARTFORD LIFE AND ACCIDENT | — | 20 | Jan 1, 2026 | $66,996 | $560 |
| METROPOLITAN LIFE INSURANCE COMPANY | Dental | 4,766 | Jan 1, 2026 | $2,016,170 | $0 |
| STANDARD INSURANCE COMPANY | Life, Disability | 3,479 | Jan 1, 2026 | $1,742,618 | $0 |
| VISION SERVICE PLAN | Vision | 2,249 | Jan 1, 2026 | $439,979 | $0 |
| HEALTH ADVOCATE SOLUTIONS, INC. | — | 3,241 | Jan 1, 2026 | $93,863 | $0 |
| HAWAII MEDICAL SERVICE ASSOCIATION | Health | 9 | Jan 1, 2026 | $82,732 | $0 |
| BENISTAR | Health | 19 | Jan 1, 2026 | $68,213 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 7 | Jan 1, 2026 | $62,458 | $0 |
| EXPRESS SCRIPTS, INC. | Health | — | Jan 1, 2026 | $61,426 | $0 |
Premium and claims on this contract
VISION SERVICE PLAN, contract 12182551. For the contract year on this filing, the carrier reported $439,979 in premium earned and $400,535 in claims incurred. Dividing one by the other gives 91%.
- VISION SERVICE PLAN, contract 12182551 reported $39,444 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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Renewal calendar
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