Form 5500 · Employee benefit plan · DANVILLE, PA
SERVICE 1ST FEDERAL CREDIT UNION
The filing calls this plan SERVICE 1ST FEDERAL CREDIT UNION GROUP INSURANCE PLAN.
SERVICE 1ST FEDERAL CREDIT UNION of DANVILLE, PA is a 134-participant finance and insurance employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is BROWN & BROWN OF PENNSYLVANIA, LP. Coverage is written through CAPITAL ADVANTAGE ASSURANCE COMPANY and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 23-1975677 · plan 502 · plan year 2025, filed Jul 15, 2026
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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
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.
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 6 insured contracts covering health, dental, vision, life and disability; the largest, with CAPITAL ADVANTAGE ASSURANCE COMPANY, covers 218 people.
Reported premium across the insured contracts is $1,540,862, with $50,438 in disclosed broker commissions — about 3.3% 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.
BROWN & BROWN OF PENNSYLVANIA, LP is the broker of record on 1 of the 6 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including CAPITAL ADVANTAGE ASSURANCE COMPANY, DELTA DENTAL OF PENNSYLVANIA, LIFE INSURANCE COMPANY OF NORTH AMERICA and VISION BENEFITS OF AMERICA. CAPITAL ADVANTAGE ASSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| CAPITAL ADVANTAGE ASSURANCE COMPANY | Health | 218 | Jan 1, 2026 | $1,404,340 | $38,511 |
| DELTA DENTAL OF PENNSYLVANIA | Dental | 198 | Jan 1, 2026 | $57,532 | $5,753 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 0 | Jan 1, 2026 | $28,347 | $3,353 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Life | 0 | Jan 1, 2026 | $31,160 | $1,431 |
| VISION BENEFITS OF AMERICA | Vision | 97 | Jan 1, 2026 | $14,741 | $737 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | — | 0 | Jan 1, 2026 | $4,742 | $653 |
Premium and claims on this contract
VISION BENEFITS OF AMERICA, contract 3694. For the contract year on this filing, the carrier reported $14,741 in premium earned and $10,195 in claims incurred. Dividing one by the other gives 69%.
- VISION BENEFITS OF AMERICA, contract 3694 reported $4,546 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
How this plan compares
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