Zeal Credit Union
Updated Filing received by DOL
Zeal Credit Union, a finance & insurance employer in Livonia, Michigan, reported 152 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $1.0M in insurance premiums across 7 contracts and $65,225 in broker commissions and fees, 4.9% 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 an amended filing on July 20, 2026; the original filing date is not in the public dataset.
Who was paid on Zeal 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 Zeal Credit Union filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Christopher M Bouschet · Troy, MI | $22,983 | $0 | $22,983 | 1 |
| Rebecca a McLaughlan · Troy, MI | $20,531 | $0 | $20,531 | 1 |
| Marsh McLennan Agency · Conshohocken, PA | $15,972 | $2,598 | $18,570 | 7 |
| Cambridge Consulting Group LLC · Royal Oak, MI | $930 | $588 | $1,518 | 3 |
| Management Compensation Group/Nfp · Atlanta, GA | $0 | $871 | $871 | 2 |
| NFP · Austin, TX | $628 | $50 | $678 | 2 |
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 | 134 | $915,890 | $44,687 | 4.9% |
| Delta Dental of Michigandental | 198 | $93,599 | $4,445 | 4.7% |
| Metropolitan Life Insurance Companylife, short-term disability, long-term disability | 223 | — | $12,639 | — |
| Provident Life and Accident Insurance Companycoverage not coded | 3 | — | $1,200 | — |
| Provident Life and Accident Insurance Companycoverage not coded | 5 | — | $1,186 | — |
| Ulliance, Inc.coverage not coded | 152 | — | — | — |
| National Vision Administrators, L.L.C.vision | 202 | — | $1,068 | — |
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 Zeal 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: $6,835 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
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 144 | 152 | +5.6% |
| Premiums filed | $958,826 | $1,009,489 | +5.3% |
| Broker commissions + fees | $60,186 | $65,225 | +8.4% |
| Commission rate | 4.7% | 4.9% | +0.2 pts |
Source: DOL Form 5500 filings for plan years 2024 and 2025.
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 |
|---|---|---|---|---|
| Zeal Credit Union Welfare Benefit Plan#510 · amended · insurance, general assets | December 31, 2025 | July 20, 2026 | amended filing; original date not in data | 152 |
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 Zeal Credit Union pay in health insurance broker commissions in 2025?
Zeal Credit Union's 2025 Form 5500 reports $65,225 in broker commissions and fees across 7 insurance contracts ($61,044 in commissions, $4,181 in fees), with Christopher M Bouschet receiving the largest share.
Is Zeal 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 Zeal Credit Union's broker compensation compare with similar employers?
Zeal Credit Union paid 4.9% 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.