Byron Center, Michigan employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
15 employers in Byron Center, Michigan filed health plans with 100 or more participants for plan year 2024, covering 4,881 participants. They reported $6.4M in insurance premiums and $1.1M in broker commissions and fees. Against 2023, premiums were down 16.0% and broker pay fell 9.2%.
Funding: 2 fully insured · 7 self-funded · 6 mixed. 13 of 15 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Byron Center
Byron Center employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| KWM Acquisitions | $2,085,422 | $84,035 | 158 | Michelle Stouffer |
| Polack Printing, Inc. | $1,884,925 | $91,967 | 153 | Brian T Cote |
| Trailer Equipment, Inc. | $844,144 | $63,752 | 118 | Sonja Kamer |
| Buist Electric Inc. | $511,654 | $61,626 | 439 | Lighthouse Group |
| M & K Employee Services, Inc. | $457,512 | $122,411 | 867 | HUB International |
| Hinton Transportation Investments Inc. | $346,480 | $83,973 | 768 | Lighthouse Insurance Group |
| Masterpiece Flower Company LLC | $88,709 | $29,838 | 166 | Hylant |
| Wonderland Tire Company, Inc. | $77,787 | $81,769 | 165 | Richard H Phillips |
| Grand Rapids Chair Company | $74,112 | $6,014 | 128 | Advantage Benefits Group, Inc. |
| Martin Transportation Systems, Inc. | $0 | $337,642 | 855 | Willis Towers Watson |
| Gnap, LLC | $0 | $4,417 | 361 | Tricoast Advisors, LLC |
| G & T Industries, Inc. | $0 | $9,907 | 248 | Coldbrook Insurance Group |
| Gypsum Supply Company | $0 | $79,736 | 226 | Adam D. Bruckman |
| Bay Logistics Inc | $0 | $23,565 | 117 | Raymond D Dewey |
| Circuit Electric, Inc. | $0 | $38,786 | 112 | Sonja N Kamer |
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 Byron Center employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Raymond D Dewey | $119,427 | 2 |
| HUB International | $118,290 | 1 |
| Willis Towers Watson | $105,440 | 1 |
| Lighthouse Group | $99,339 | 2 |
| Benefit Profiles Inc | $76,141 | 3 |
| Dominic S Siciliano | $67,608 | 1 |
| Michelle Stouffer | $60,522 | 1 |
| Richard H Phillips | $54,556 | 1 |
| Adam D. Bruckman | $54,106 | 1 |
| Brian T Cote | $46,195 | 1 |
Largest medical carriers
Medical premium written for these employers.
Byron Center 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.
| Byron Center | 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 | $63,752 | $68,927 | $72,628 |
| Medical premium per covered person | n/a | $5,845 | $7,274 |
| Plans reporting no commission | 0 | 47 | 933 |
Year over year. In plan year 2023, 14 Byron Center employers reported $7.6M in premiums and $1.2M in broker pay for 4,644 participants; in 2024 it was $6.4M and $1.1M for 4,881 participants (premiums −16.0%, broker pay −9.2%).
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 Byron Center employers pay health insurance brokers?
15 Byron Center employers reported $1,119,438 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 Byron Center 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 Byron Center employer that disclosed broker pay reported $63,752.
Which Byron Center employers have the largest health plans?
By insurance premium reported for 2024, KWM Acquisitions ($2.1M), Polack Printing, Inc. ($1.9M), Trailer Equipment, Inc. ($844,144) lead. 15 Byron Center employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Byron Center?
By compensation reported by Byron Center employers, the largest brokers are Raymond D Dewey ($119,427, 2 plans), HUB International ($118,290, 1 plans), Willis Towers Watson ($105,440, 1 plans). By medical premium, the largest carriers are Blue Cross Blue Shield of Michigan, Blue Care Network of Michigan, Priority Health.
Are Byron Center employer health plans self-funded or fully insured?
Of 15 Byron Center employer plans, 2 are fully insured, 7 are self-funded and 6 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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