Brighton, Michigan employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
19 employers in Brighton, Michigan filed health plans with 100 or more participants for plan year 2024, covering 18,366 participants. They reported $30M in insurance premiums and $1.6M in broker commissions and fees. Against 2023, premiums were up 17.2% and broker pay fell 40.8%.
Funding: 7 fully insured · 4 self-funded · 8 mixed. 12 of 19 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Brighton
Brighton employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| CSP Management, Inc. | $16,662,070 | $482,970 | 1,869 | Scott Settle |
| Sundance, Inc. | $3,770,658 | $165,862 | 315 | Katherine C. Wood |
| Nikon Metrology, Inc. | $2,080,630 | $82,295 | 187 | John R O'connor |
| Resilire Neurorehabilitation, LLC | $1,781,152 | $32,769 | 168 | HUB International |
| Resilire Neurorehabilitation, LLC | $1,781,152 | $32,769 | 168 | HUB International |
| Promess, Inc. | $833,793 | $5,392 | 143 | HUB International |
| Bcdi Great Lakes Holding, Inc. | $753,378 | $40,906 | 131 | Elaine C. Coffman |
| Brighton Ford, Inc. | $704,866 | $42,675 | 123 | Robert V Weiland |
| L5 Fitness Holdings LLC | $649,036 | $33,693 | 131 | Albert Mitchell |
| Liberty Title Agency, Inc. | $596,622 | $32,901 | 103 | Devon J Dobrin |
| Lake Trust Credit Union | $435,593 | $85,545 | 488 | Marsh McLennan Agency |
| H. H. Barnum Company | $58,039 | $39,655 | 264 | HUB International |
| Barnum Acquisition LLC | $58,039 | $39,655 | 264 | HUB International |
| Empower HR LLC | $0 | $261,809 | 8,955 | Thompson Risk Ii, LLC |
| Csig Holding Company LLC | $0 | — | 2,447 | — |
| Nexcare Health Systems, LLC | $0 | $64,214 | 2,010 | Holli Titus |
| Corrigan Enterprises, Inc. | $0 | $80,934 | 313 | USI Insurance Services |
| Associated Spring US, LLC | $0 | $23,078 | 165 | Willis Towers Watson |
| Wilson Marine Corp | $0 | $54,312 | 122 | Travis Porta |
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 Brighton employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| USI Insurance Services | $276,095 | 2 |
| Thompson Risk Ii, LLC | $253,538 | 1 |
| Scott Settle | $226,098 | 1 |
| HUB International | $129,569 | 7 |
| Katherine C Wood | $113,751 | 1 |
| Holli Titus | $64,214 | 1 |
| John R O'connor | $63,203 | 1 |
| Salvatore J. Giammarusti Iii | $61,712 | 1 |
| Travis Porta | $57,601 | 2 |
| Marsh McLennan Agency | $53,546 | 1 |
Largest medical carriers
Medical premium written for these employers.
Brighton 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.
| Brighton | Michigan | United States | |
|---|---|---|---|
| Employer plans | 19 | 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 | $41,791 | $68,927 | $72,628 |
| Medical premium per covered person | $6,044 | $5,845 | $7,274 |
| Plans reporting no commission | 3 | 47 | 933 |
Year over year. In plan year 2023, 14 Brighton employers reported $26M in premiums and $2.7M in broker pay for 15,065 participants; in 2024 it was $30M and $1.6M for 18,366 participants (premiums +17.2%, broker pay −40.8%).
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 Brighton employers pay health insurance brokers?
19 Brighton employers reported $1,601,434 in broker commissions and fees on their 2024 Form 5500 filings, 18 of them disclosing at least some compensation. Too few fully insured medical plans in Brighton 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 Brighton employer that disclosed broker pay reported $41,791.
Which Brighton employers have the largest health plans?
By insurance premium reported for 2024, CSP Management, Inc. ($17M), Sundance, Inc. ($3.8M), Nikon Metrology, Inc. ($2.1M) lead. 19 Brighton employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Brighton?
By compensation reported by Brighton employers, the largest brokers are USI Insurance Services ($276,095, 2 plans), Thompson Risk Ii, LLC ($253,538, 1 plans), Scott Settle ($226,098, 1 plans). By medical premium, the largest carriers are Blue Cross Blue Shield of Michigan, Blue Care Network of Michigan, Priority Health.
Are Brighton employer health plans self-funded or fully insured?
Of 19 Brighton employer plans, 7 are fully insured, 4 are self-funded and 8 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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