Ignite Credit Union
Updated Filing received by DOL
Ignite Credit Union, a finance & insurance employer in Battle Creek, Michigan, reported 129 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $1.3M in insurance premiums across 7 contracts and $75,756 in broker commissions and fees, 4.0% 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 June 25, 2026, before the deadline.
Who was paid on Ignite Credit Union's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Ignite Credit Union filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Bryan P Begola · Sterling Heights, MA | $33,440 | $0 | $33,440 | 1 |
| Benefits Partner LLC · Sterling Heights, MI | $7,306 | $5,666 | $12,972 | 7 |
| John W Schuemann · Kalamazoo, MI | $11,964 | $0 | $11,964 | 1 |
| Rose Street Advisors, LLC · Kalamazoo, MI | $8,691 | $0 | $8,691 | 6 |
| Benefit Partners, LLC dba Salus Gro · Sterling Heights, MI | $7,382 | $94 | $7,476 | 2 |
| Benefit Partners, LLC, dba Salus GR · Sterling Heights, MI | $1,213 | $0 | $1,213 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2025, as published in EBSA's 2025 "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 | 203 | $1.2M | $46,237 | 4.0% |
| Delta Dental of Michigandental | 259 | $119,757 | $11,309 | 9.4% |
| Eyemed Vision Care on Behalf of Fidelity Security Life Insurance Compavision | 242 | — | $2,426 | — |
| United of Omaha Life Insurance Companylong-term disability | 130 | — | $5,348 | — |
| United of Omaha Life Insurance Companylife | 131 | — | $1,548 | — |
| United of Omaha Life Insurance Companyshort-term disability | 133 | — | $5,516 | — |
| United of Omaha Life Insurance Companylife | 73 | — | $3,372 | — |
Source: DOL Form 5500 Schedule A, plan year 2025. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Ignite Credit Union 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: $5,748 a year (national median $7,274).
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
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 |
|---|---|---|---|---|
| Ignite Credit Union Benefit Plan#510 · insurance, general assets | December 31, 2025 | June 25, 2026 | before deadline | 129 |
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 Ignite Credit Union pay in health insurance broker commissions in 2025?
Ignite Credit Union's 2025 Form 5500 reports $75,756 in broker commissions and fees across 7 insurance contracts ($69,996 in commissions, $5,760 in fees), with Bryan P Begola receiving the largest share.
Is Ignite Credit Union's health plan self-funded or fully insured?
The 2025 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 Ignite Credit Union's broker compensation compare with similar employers?
Ignite Credit Union paid 4.0% of medical premium in commissions and fees. The median for employers with 100-199 participants is 4.2%, 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.