Plan Ledger DOL Form 5500 · updated monthly

Y-12 Federal Credit Unionbenefits

Y-12 Federal Credit Union Welfare Benefits Plan · OAK RIDGE, TN · plan year 2025

Broker compensation reported · 2025
$62,887

Y-12 Federal Credit Union's benefits plans covered 426 active participants in 2025, providing health · life · dental · vision · short-term disability · long-term disability · death benefits. Insurance brokers and agents were paid $62,887 in commissions and fees, costs that ultimately come out of what the employer and employees pay for coverage. That is $148 per covered person, below the median for employer plans that report broker pay. Broker pay fell 59% from $154,303 in 2024.

Insurance contracts · 20253
CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES · dental visionpremiums n/a · 368 covered
UNUM LIFE INSURANCE COMPANY OF AMERICA · life ltdpremiums n/a · 426 covered
UNUM LIFE INSURANCE COMPANY OF AMERICA · lifepremiums n/a · 254 covered
Brokers & agents paid · 20254
DIGITAL INSURANCE INC.$30,662 · incl $5,917 fees
CENTRO BENFITS RESEARCH LLC$9,415 · incl $9,415 fees
CENTRO BENEFITS RESEARCH LLC$5,377 · incl $5,377 fees
Also brokered by Digital Insurance LLC5

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Source: DOL Form 5500 Schedule A, plan year 2025, EIN 620473619 · Verify on EFAST2 · Amounts are as reported by the plan sponsor.