Ann Arbor, Michigan employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
56 employers in Ann Arbor, Michigan filed health plans with 100 or more participants for plan year 2024, covering 38,960 participants. They reported $100M in insurance premiums and $6.7M in broker commissions and fees. The median broker rate on commission-paying, fully insured medical plans was 3.1% of premium, against 3.2% across Michigan and 3.8% nationally. Against 2023, premiums were up 8.8% and broker pay rose 0.4%.
Funding: 14 fully insured · 12 self-funded · 30 mixed. 42 of 56 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Ann Arbor
Ann Arbor employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Ervin Industries, Inc. | $9,000,928 | $376,700 | 212 | Bethany L. Pagnani |
| Hospice of Michigan | $7,034,317 | $188,011 | 611 | AssuredPartners |
| Vericel Corporation | $6,029,432 | $242,330 | 316 | Elizabeth Madziar |
| University Bank | $5,395,280 | $273,105 | 466 | Edie M. Huffman |
| Faac, Inc./Arotech | $4,923,343 | $259,577 | 545 | Kapnick & Company Inc. |
| Organ Procurement Agency of Michigan | $4,600,057 | $167,360 | 369 | Amy J Hall |
| Esperion Therapeutics, Inc. | $4,348,238 | $220,624 | 250 | Ryan Ducharme |
| Ewie Group of Companies LLC | $4,216,245 | $162,855 | 469 | Regina Jessup Goodman |
| Avfuel Corporation | $4,064,756 | $233,262 | 409 | Sarah C Hoffman |
| BCN Administrative Services | $3,806,033 | $235,214 | 1,356 | Frank J. Lewandowski |
| Cayman Chemical Company, Inc. | $3,794,847 | $114,004 | 335 | Michael G. Green |
| Board Trustees IBEW Local 252 Health & Welfare Trust Fund | $3,531,029 | $72,036 | 1,051 | Scott Settle |
| Pma Consultants, LLC | $3,078,578 | $156,794 | 262 | Marianne Farley |
| University of Michigan Credit Union | $2,630,793 | $123,999 | 214 | Bryan Begola |
| Daysmart Software, LLC | $2,437,731 | $97,841 | 246 | Marsh McLennan Agency |
| Zomedica Inc. | $2,364,663 | $139,751 | 148 | Melissa Armatis |
| University Corporation for Advanced Internet Development | $2,250,721 | $86,529 | 120 | Gordon W ST John |
| Dental Acquisition Group | $1,919,623 | $37,510 | 211 | USI Insurance Services |
| Nagel Precision, Inc. | $1,903,518 | $77,751 | 113 | Brown & Brown |
| Planned Parenthood of Michigan | $1,745,934 | $65,594 | 205 | Julie Tingley |
| Gudel, Inc. | $1,588,981 | $114,487 | 104 | Debra a Youngs |
| Xanedu dba Education Elements | $1,499,519 | $81,322 | 168 | Michael Davis |
| Careevolution, LLC | $1,437,367 | $75,399 | 108 | Ryan J Harris |
| Workit Health, Inc. | $1,424,982 | $76,762 | 143 | Marsh McLennan Agency |
| Gretchen's House Inc | $1,420,631 | $59,789 | 174 | Debra a Youngs |
Source: DOL Form 5500 Schedule A, plan year 2024; employers are grouped by the sponsor's mailing city as filed. Self-funded employers show only stop-loss and ancillary premium.
Who gets paid
Commissions and fees reported by Ann Arbor employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Marsh McLennan Agency | $474,534 | 8 |
| Benefits America Insurance Services | $457,082 | 1 |
| Gallagher | $349,374 | 6 |
| AssuredPartners | $341,906 | 5 |
| Kapnick & Company, Inc. | $331,903 | 10 |
| Bethany L. Pagnani | $292,302 | 1 |
| Lockton | $285,657 | 1 |
| Robyn L Piper | $259,483 | 1 |
| Hylant | $226,696 | 5 |
| Elizabeth Madziar | $226,608 | 2 |
Largest medical carriers
Medical premium written for these employers.
Ann Arbor against Michigan and the U.S.
Medians over the same definitions on every BenefitsLedger page: commission rate on commission-paying, fully insured medical plans; broker pay per employer that disclosed any; medical premium per covered person.
| Ann Arbor | Michigan | United States | |
|---|---|---|---|
| Employer plans | 56 | 2,113 | 58,547 |
| Median commission rate | 3.1% (31 plans) | 3.2% | 3.8% |
| Middle half of rates | 2.9% – 4.3% | 3.0% – 4.5% | 2.7% – 5.0% |
| Median broker pay per employer | $85,168 | $68,927 | $72,628 |
| Medical premium per covered person | $6,343 | $5,845 | $7,274 |
| Plans reporting no commission | 1 | 47 | 933 |
Year over year. In plan year 2023, 60 Ann Arbor employers reported $92M in premiums and $6.7M in broker pay for 52,899 participants; in 2024 it was $100M and $6.7M for 38,960 participants (premiums +8.8%, broker pay +0.4%).
Source: DOL Form 5500 and Schedule A, plan years 2024 and 2023, employer health plans with 100 or more participants; built October 24, 2026. Medians need at least 10 rated plans to be shown for a city. Methodology.
How much do Ann Arbor employers pay health insurance brokers?
56 Ann Arbor employers reported $6,726,875 in broker commissions and fees on their 2024 Form 5500 filings, 56 of them disclosing at least some compensation. Among 31 commission-paying, fully insured medical plans, the median broker rate was 3.1% of premium, 0.1 points below the Michigan median of 3.2% and 0.6 points below the U.S. median of 3.8%. In dollars, the median Ann Arbor employer that disclosed broker pay reported $85,168.
Which Ann Arbor employers have the largest health plans?
By insurance premium reported for 2024, Ervin Industries, Inc. ($9.0M), Hospice of Michigan ($7.0M), Vericel Corporation ($6.0M) lead. 25 Ann Arbor employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Ann Arbor?
By compensation reported by Ann Arbor employers, the largest brokers are Marsh McLennan Agency ($474,534, 8 plans), Benefits America Insurance Services ($457,082, 1 plans), Gallagher ($349,374, 6 plans). By medical premium, the largest carriers are Blue Cross Blue Shield of Michigan, Blue Care Network of Michigan, Blue Care Network.
Are Ann Arbor employer health plans self-funded or fully insured?
Of 56 Ann Arbor employer plans, 14 are fully insured, 12 are self-funded and 30 mix insured and self-funded coverage. Self-funded plans report only stop-loss and ancillary contracts on Schedule A, so their premium and broker pay understate total spend.
Other cities in Michigan
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