Heritage Community of Kalamazoo
Updated Filing received by DOL
Heritage Community of Kalamazoo, a healthcare & social assistance employer in Kalamazoo, Michigan, reported 201 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $1.1M in insurance premiums across 9 contracts and $58,114 in broker commissions and fees, 2.9% of medical premium against a national median of 3.8% among plans that paid commissions in plan year 2024. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on December 3, 2025, before the deadline.
Who was paid on Heritage Community of Kalamazoo's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Heritage Community of Kalamazoo filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Ryan T Pylman · Sterling Heights, MI | $29,034 | $0 | $29,034 | 2 |
| Brown & Brown · Troy, MI | $13,093 | $5,578 | $18,671 | 19 |
| Ryan Pylman · Daytona Beach, FL | $6,574 | $0 | $6,574 | 1 |
| Pacific Resources Benefits Advisor · Boston, MA | $3,581 | $0 | $3,581 | 6 |
| Rown & Brown Ins Services, Inc · Milwaukee, WI | $0 | $254 | $254 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2024, as published in EBSA's 2024 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Blue Care Network of Michiganhealth, prescription drug, HMO | 216 | $1.0M | $29,659 | 2.9% |
| Delta Dental of Michigandental | 236 | $88,285 | $6,574 | 7.4% |
| Blue Cross Blue Shield of Michiganvision, PPO | 211 | $14,384 | $1,237 | 8.6% |
| Reliance Standard Life Insurance Companycoverage not coded | 42 | — | $3,116 | — |
| Reliance Standard Life Insurance Companylife | 80 | — | $8,227 | — |
| Reliance Standard Life Insurance Companylife | 181 | — | $2,757 | — |
| Reliance Standard Life Insurance Companylong-term disability | 18 | — | $1,556 | — |
| Reliance Standard Life Insurance Companycoverage not coded | 52 | — | $3,057 | — |
| Reliance Standard Life Insurance Companylong-term disability | 43 | — | $1,931 | — |
Source: DOL Form 5500 Schedule A, plan year 2024. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Heritage Community of Kalamazoo compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Premium per covered person on medical contracts: $4,777 a year (national median $7,274).
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 188 | 201 | +6.9% |
| Premiums filed | $944,842 | $1,134,415 | +20.1% |
| Broker commissions + fees | $63,476 | $58,114 | −8.4% |
| Commission rate | 3.8% | 2.9% | −0.9 pts |
Source: DOL Form 5500 filings for plan years 2023 and 2024.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| Heritage Community of Kalamazoo Welfare Benefit Plan#501 · insurance, general assets | June 30, 2025 | December 3, 2025 | before deadline | 201 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did Heritage Community of Kalamazoo pay in health insurance broker commissions in 2024?
Heritage Community of Kalamazoo's 2024 Form 5500 reports $58,114 in broker commissions and fees across 9 insurance contracts ($52,282 in commissions, $5,832 in fees), with Ryan T Pylman receiving the largest share.
Is Heritage Community of Kalamazoo's health plan self-funded or fully insured?
The 2024 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Blue Care Network of Michigan.
How does Heritage Community of Kalamazoo's broker compensation compare with similar employers?
Heritage Community of Kalamazoo paid 2.9% of medical premium in commissions and fees. The median for employers with 200-499 participants is 3.6%, and the median in Michigan is 3.2%. Percentages are computed only on fully insured medical contracts with filed premiums.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.