Battle Creek, Michigan employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
15 employers in Battle Creek, Michigan filed health plans with 100 or more participants for plan year 2024, covering 8,292 participants. They reported $6.2M in insurance premiums and $1.2M in broker commissions and fees. Against 2023, premiums were up 19.7% and broker pay fell 4.2%.
Funding: 5 fully insured · 5 self-funded · 5 mixed. 10 of 15 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Battle Creek
Battle Creek employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Comprehensive Senior Care Corp. | $3,008,644 | $134,007 | 247 | Susan L. Culhane |
| Goodwill Industries of Central Michigans Heartland, Inc. | $1,508,497 | $50,548 | 162 | John W Schuemann |
| Omni Community Credit Union | $1,374,103 | $27,511 | 101 | Benefits Partner LLC |
| Grace Health | $176,275 | $47,164 | 325 | Rose Street Advisors LLC |
| Community Action Agency of South Central Michigan | $130,021 | $81,727 | 417 | Van de Venter |
| WK Kellogg Co | $0 | $147,445 | 2,989 | Mercer |
| Stanley Electric Holding of America, Inc. | $0 | $119,869 | 1,463 | USI Insurance Services |
| Firekeepers Development Authority | $0 | $236,807 | 875 | Strategic Services Group |
| W.K. Kellogg Foundation | $0 | $37,405 | 398 | Rose Street Advisors |
| Musashi Auto Parts, Inc. | $0 | $49,688 | 365 | Mercer |
| Systex Products Corporation | $0 | $18,863 | 292 | Hylant |
| Denso Air Systems Michigan, Inc. | $0 | $14,499 | 221 | Aon |
| Advantage Sintered Metals, Inc. | $0 | $89,182 | 208 | Marsh McLennan Agency |
| Sherriff-Goslin Company | $0 | $31,173 | 128 | Triena Atkinson |
| Bleistahl North America | $0 | $70,702 | 101 | Stacey Dunbar |
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 Battle Creek employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Strategic Services Group | $206,469 | 1 |
| Mercer | $193,487 | 2 |
| USI Insurance Services | $111,730 | 1 |
| Marsh McLennan Agency | $86,694 | 2 |
| Rose Street Advisors LLC | $60,727 | 3 |
| Van de Venter | $50,982 | 1 |
| Susan L Culhane | $50,465 | 1 |
| John W Schuemann | $46,313 | 1 |
| Stacey Dunbar | $39,671 | 1 |
| The Nulty Agency, Inc. | $33,159 | 1 |
Largest medical carriers
Medical premium written for these employers.
Battle Creek 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.
| Battle Creek | Michigan | United States | |
|---|---|---|---|
| Employer plans | 15 | 2,113 | 58,547 |
| Median commission rate | n/a | 3.2% | 3.8% |
| Middle half of rates | n/a | 3.0% – 4.5% | 2.7% – 5.0% |
| Median broker pay per employer | $50,548 | $68,927 | $72,628 |
| Medical premium per covered person | n/a | $5,845 | $7,274 |
| Plans reporting no commission | 1 | 47 | 933 |
Year over year. In plan year 2023, 15 Battle Creek employers reported $5.2M in premiums and $1.2M in broker pay for 8,557 participants; in 2024 it was $6.2M and $1.2M for 8,292 participants (premiums +19.7%, broker pay −4.2%).
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 Battle Creek employers pay health insurance brokers?
15 Battle Creek employers reported $1,156,590 in broker commissions and fees on their 2024 Form 5500 filings, 15 of them disclosing at least some compensation. Too few fully insured medical plans in Battle Creek reported premium to compute a stable commission rate; the Michigan median is 3.2% and the U.S. median is 3.8%. In dollars, the median Battle Creek employer that disclosed broker pay reported $50,548.
Which Battle Creek employers have the largest health plans?
By insurance premium reported for 2024, Comprehensive Senior Care Corp. ($3.0M), Goodwill Industries of Central Michigans Heartland, Inc. ($1.5M), Omni Community Credit Union ($1.4M) lead. 15 Battle Creek employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Battle Creek?
By compensation reported by Battle Creek employers, the largest brokers are Strategic Services Group ($206,469, 1 plans), Mercer ($193,487, 2 plans), USI Insurance Services ($111,730, 1 plans). By medical premium, the largest carriers are Blue Care Network of Michigan, Blue Cross Blue Shield of Michigan, Priority Health.
Are Battle Creek employer health plans self-funded or fully insured?
Of 15 Battle Creek employer plans, 5 are fully insured, 5 are self-funded and 5 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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