Dearborn, Michigan employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
25 employers in Dearborn, Michigan filed health plans with 100 or more participants for plan year 2024, covering 79,147 participants. They reported $73M in insurance premiums and $3.1M in broker commissions and fees. Against 2023, premiums were up 141.5% and broker pay rose 5.7%.
Funding: 10 fully insured · 8 self-funded · 7 mixed. 15 of 25 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Dearborn
Dearborn employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Ford Motor Company | $54,657,111 | $35,625 | 57,896 | Strategic Non-Medical Solutions |
| Dealerdirect LLC dba Forddirect | $5,646,885 | $153,893 | 310 | Marsh McLennan Agency |
| Delaco Steel Corporation | $3,992,286 | $124,540 | 461 | Kristine Scheer |
| Dearborn Schools Employee Healthcare Program Voluntary Employee | $2,756,577 | $956,597 | 2,312 | K & M Accounting LLC |
| Ford Component Sales, LLC | $1,926,262 | $62,164 | 123 | Cole Shuple |
| Dearborn Sausage Company Inc. | $1,275,696 | $54,558 | 136 | James T Flynn |
| Village Ford, Inc. | $1,067,691 | $55,254 | 161 | Kapnick & Company Inc |
| Crown Staffing Solutions LLC | $627,732 | $32,805 | 126 | Rebecca McLaughlan |
| Performance Driven Workforce, LLC | $455,552 | $28,645 | 120 | Tim M Ernst |
| Jackson-Dawson Communications, Inc. | $307,612 | $219,426 | 562 | Rebecca McLaughlan |
| Ghafari Associates LLC | $276,668 | $31,329 | 407 | Marsh McLennan Agency |
| Hollingsworth Management Services | $200,460 | $86,824 | 1,493 | Marsh McLennan Agency |
| Kenwal Steel Corporation | $168,345 | $29,479 | 285 | M&O Agencies Inc |
| HFV Opco LLC | $85,533 | $52,272 | 321 | Sats LLC |
| Auto Club Insurance Association | $40,731 | $2,037 | 7,138 | Aon |
| Carhartt, Inc. | $0 | $383,552 | 3,123 | USI Insurance Services |
| Edw. C. Levy Co. | $0 | $75,682 | 1,502 | Lockton |
| Educational Data Systems, Inc. | $0 | $46,115 | 838 | Hylant |
| Dfcu Financial | $0 | $65,417 | 537 | Marsh McLennan Agency |
| The Edison Institute | $0 | $65,200 | 481 | AssuredPartners |
| Arab Community Center for Economic & Soc Services | $0 | $144,539 | 302 | T M R & Associates |
| Exhibit Works Inc | $0 | $204,217 | 159 | Hylant |
| Kla Laboratories | $0 | $52,200 | 128 | Mitchell, Angela R |
| Western Wayne Family Health Center | $0 | $45,902 | 114 | Kevin Hamming |
| Services to Enhance Potential | $0 | $72,671 | 112 | 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 Dearborn employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| K & M Accounting LLC | $956,597 | 1 |
| Marsh McLennan Agency | $329,957 | 6 |
| Hylant | $241,833 | 2 |
| USI Insurance Services | $230,003 | 1 |
| Rebecca McLaughlan | $176,721 | 2 |
| Kristine Scheer | $90,825 | 1 |
| Rebecca a McLaughlan | $78,119 | 2 |
| T M R & Associates, Inc. | $75,447 | 1 |
| Lockton | $71,365 | 1 |
| Spartan Wealth Management | $67,889 | 1 |
Largest medical carriers
Medical premium written for these employers.
Dearborn 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.
| Dearborn | Michigan | United States | |
|---|---|---|---|
| Employer plans | 25 | 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 | $62,164 | $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, 24 Dearborn employers reported $30M in premiums and $2.9M in broker pay for 77,178 participants; in 2024 it was $73M and $3.1M for 79,147 participants (premiums +141.5%, broker pay +5.7%).
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 Dearborn employers pay health insurance brokers?
25 Dearborn employers reported $3,080,943 in broker commissions and fees on their 2024 Form 5500 filings, 25 of them disclosing at least some compensation. Too few fully insured medical plans in Dearborn 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 Dearborn employer that disclosed broker pay reported $62,164.
Which Dearborn employers have the largest health plans?
By insurance premium reported for 2024, Ford Motor Company ($55M), Dealerdirect LLC dba Forddirect ($5.6M), Delaco Steel Corporation ($4.0M) lead. 25 Dearborn employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Dearborn?
By compensation reported by Dearborn employers, the largest brokers are K & M Accounting LLC ($956,597, 1 plans), Marsh McLennan Agency ($329,957, 6 plans), Hylant ($241,833, 2 plans). By medical premium, the largest carriers are Blue Cross Blue Shield of Michigan, Blue Care Network of Michigan, Univera Healthcare.
Are Dearborn employer health plans self-funded or fully insured?
Of 25 Dearborn employer plans, 10 are fully insured, 8 are self-funded and 7 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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