Pathways Financial Credit Union
Updated Filing received by DOL
Pathways Financial Credit Union, a finance & insurance employer in Columbus, Ohio, reported 102 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $149,087 in insurance premiums across 10 contracts and $75,809 in broker commissions and fees. The plan is fully insured (an insurance carrier pays claims). The Department of Labor received the filing on February 20, 2026, before the deadline.
Who was paid on Pathways Financial 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 Pathways Financial Credit Union filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Associated Employee Benefits, LLC. · Westerville, OH | $65,840 | $1,250 | $67,090 | 9 |
| Centerstone Ins Fin Service · Dallas, TX | $8,719 | $0 | $8,719 | 6 |
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 |
|---|---|---|---|---|
| Standard Insurance Companydental | 94 | $59,450 | $9,100 | 15.3% |
| Standard Insurance Companylife | 107 | $32,777 | $4,318 | 13.2% |
| Standard Insurance Companyshort-term disability | 107 | $32,200 | $4,230 | 13.1% |
| Standard Insurance Companylong-term disability | 107 | $21,727 | $4,279 | 19.7% |
| Standard Insurance Companyvision | 94 | $2,933 | $458 | — |
| Fidelity Security Life Insurance Companyvision | 182 | — | $1,621 | — |
| The Ohiohealthcoverage not coded | 109 | — | — | — |
| Medical Mutual of Ohiohealth | 92 | — | $44,129 | — |
| Healthiest You C/O Teladoc Health Inccoverage not coded | 100 | — | $1,681 | — |
| Standard Insurance Companyindemnity | 57 | — | $5,993 | — |
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 Pathways Financial 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.
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 | 102 | 102 | +0.0% |
| Premiums filed | $132,684 | $149,087 | not comparable |
| Broker commissions + fees | $64,417 | $75,809 | +17.7% |
| 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 |
|---|---|---|---|---|
| Pathways Financial Credit Union Employee Benefits Plan#501 · insurance | September 30, 2025 | February 20, 2026 | before deadline | 102 |
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 Pathways Financial Credit Union pay in health insurance broker commissions in 2024?
Pathways Financial Credit Union's 2024 Form 5500 reports $75,809 in broker commissions and fees across 10 insurance contracts ($74,559 in commissions, $1,250 in fees), with Associated Employee Benefits, LLC. receiving the largest share.
Is Pathways Financial Credit Union's health plan self-funded or fully insured?
The 2024 filing indicates the plan is fully insured (an insurance carrier pays claims). Medical coverage is written by Medical Mutual of Ohio.
How does Pathways Financial Credit Union's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Pathways Financial Credit Union because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 100-199 participants that disclosed broker pay reported a median of $53,852.
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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.