Heritage Medical Systems
Updated Filing received by DOL
Heritage Medical Systems, a healthcare & social assistance employer in Lancaster, California, reported 4,420 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 17 insurance contracts with no premium reported and $830,728 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on October 14, 2025, within the extension window.
Who was paid on Heritage Medical Systems'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 Medical Systems filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Gallagher · Glendale, CA | $399,984 | $41,280 | $441,264 | 5 |
| Island Group Plans, Inc. · Holbrook, NY | $8,605 | $106,116 | $114,721 | 3 |
| Atlantic Group Plans, LLC · Nesconset, NY | $4,729 | $106,116 | $110,845 | 1 |
| Financial Liberty Group · Melville, NY | $0 | $85,260 | $85,260 | 1 |
| Black Gould and Associates, Inc. · Phoenix, AZ | $26,843 | $33,842 | $60,685 | 1 |
| Markham Insurance Services, Inc. · Tehachapi, CA | $3,417 | $51 | $3,468 | 8 |
| Elizabeth Ann Sellars · Tehachapi, CA | $2,994 | $51 | $3,045 | 8 |
| John J Macias JR and Various Agents · Reno, NV | $2,476 | $21 | $2,497 | 1 |
| Kirsten E. Walsh · Northport, NY | $2,464 | $0 | $2,464 | 1 |
| Christine Walsh · Huntington, NY | $1,029 | $0 | $1,029 | 1 |
| Roxanne Wiswosser · Tehachapi, CA | $854 | $0 | $854 | 4 |
| Frank A. Visco · Lancaster, CA | $810 | $0 | $810 | 4 |
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 |
|---|---|---|---|---|
| Aflaccoverage not coded | 1 | — | $51 | — |
| Aflacdental, short-term disability | 27 | — | $4,506 | — |
| Aflacshort-term disability | 1 | — | $77 | — |
| Cigna Health and Life Insurance Company and Affiliatesdental, indemnity | 3,899 | — | — | — |
| Aflacshort-term disability | 10 | — | $526 | — |
| Aflacshort-term disability | 9 | — | $644 | — |
| Aflacdental, life, short-term disability | 24 | — | $2,389 | — |
| Aflacdental, life, short-term disability | 65 | — | $8,779 | — |
| Aflacshort-term disability | 4 | — | $541 | — |
| Eyemed Vision Care on Behalf of Fidelity Security Life Insurance Co.vision | 5,329 | — | $14,961 | — |
| Aflacdental, short-term disability | 2 | — | $556 | — |
| Eyemed Vision Care on Behalf of Fidelity Security Life Ins. Co. of NYvision | 292 | — | $3,666 | — |
| Colonial Life & Accident Insurance Companycoverage not coded | 3 | — | $94 | — |
| Pre-Paid Legal Services Inc dba Legalshieldcoverage not coded | 616 | — | $14,982 | — |
| Unitedhealthcare Insurance Companyhealth, short-term disability, prescription drug, HMO, PPO | 137 | — | $60,685 | — |
| Life Insurance Company of North Americalife, short-term disability, long-term disability | 4,627 | — | $209,742 | — |
| Cigna Health and Life Insurance Companyhealth, dental, prescription drug | 296 | — | $508,529 | — |
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 Medical Systems 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.
Not computable: no insured medical premium on the filing.
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 | 4,241 | 4,420 | +4.2% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $655,187 | $830,728 | +26.8% |
| Commission rate | — | — | — |
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 Medical Systems Welfare Benefit Plan#502 · insurance, general assets | December 31, 2024 | October 14, 2025 | within extension | 4,420 |
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 Medical Systems pay in health insurance broker commissions in 2024?
Heritage Medical Systems's 2024 Form 5500 reports $830,728 in broker commissions and fees across 17 insurance contracts ($457,966 in commissions, $372,762 in fees), with Gallagher receiving the largest share.
Is Heritage Medical Systems'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 Unitedhealthcare Insurance Company, Cigna Health and Life Insurance Company.
How does Heritage Medical Systems's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Heritage Medical Systems because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 1,000-4,999 participants that disclosed broker pay reported a median of $168,579.
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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.