Detroit, Michigan employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
95 employers in Detroit, Michigan filed health plans with 100 or more participants for plan year 2024, covering 410,066 participants. They reported $207M in insurance premiums and $13M 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 10.3% and broker pay rose 1.9%.
Funding: 21 fully insured · 20 self-funded · 54 mixed. 74 of 95 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Detroit
Detroit employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Dte Energy Corporate Services, LLC | $45,600,306 | $73,362 | 23,318 | Willis Towers Watson |
| Harvest Sherwood Food Distributors, Inc. | $12,862,360 | $255,623 | 1,010 | Michael G. Green |
| Pressure Vessel Service, Inc. | $11,520,059 | $300,804 | 1,241 | Marsh McLennan Agency |
| Dykema Gossett PLLC | $8,697,938 | $214,638 | 714 | Leyla Coker |
| Duravent, Inc. | $6,704,067 | $261,185 | 902 | Hylant |
| DT Midstream, Inc. | $6,456,634 | $29,583 | 408 | Marsh McLennan Agency |
| Detroit Athletic Club | $5,620,800 | $197,100 | 209 | Marc J Lasceski |
| Marketing Associates, LLC dba Onemagnify, LLC | $5,301,531 | $104,366 | 646 | Cambridge Consulting Group, LLC |
| Marketing Associates, LLC dba Onemagnify, LLC | $5,301,531 | $104,366 | 646 | Cambridge Consulting Group, LLC |
| University Pediatricians | $4,520,145 | $261,742 | 381 | Amy Hall |
| The Committee of the UAW Retiree Medical Benefits Trust | $4,174,911 | $104,781 | 170,054 | Joseph a King |
| Strategic Staffing Solutions, L.C. | $4,132,335 | $67,199 | 1,120 | Elaine C. Coffman |
| The Ideal Group Inc | $4,061,298 | $174,058 | 378 | Laurie a Sall |
| Forefront Healthcare LLC | $3,869,531 | $293,204 | 913 | Dean E. Austin |
| Wayne-Metropolitan Community Action Agency | $3,353,731 | $282,482 | 826 | Melissa Armatis |
| Tata Technologies, Inc. | $3,129,423 | $246,482 | 320 | Marsh McLennan Agency |
| The Detroit Institute of Arts | $3,127,009 | $118,293 | 352 | Marc J Lasceski |
| Bodman PLC | $3,015,876 | $92,717 | 192 | Rebecca a McLaughlan |
| Sachse Construction & Development Company LLC | $2,965,008 | $144,561 | 300 | NFP |
| Fei Services Company, LLC | $2,867,669 | $88,835 | 127 | Candius M Stearns |
| Soave Enterprises LLC | $2,835,232 | $165,195 | 255 | Gallagher |
| Southeastern Michigan Health Association | $2,741,316 | $110,866 | 171 | Michele L Bolser |
| Three Pillars Anew | $2,625,572 | $123,158 | 258 | Eugene F. Lovasco |
| Southwest Solutions | $2,599,628 | $131,390 | 179 | Rebecca a McLaughlan |
| Norr LLC | $2,560,952 | $105,784 | 235 | Eugene F Lovasco |
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 Detroit employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Marsh McLennan Agency | $1,838,688 | 20 |
| Gallagher | $1,339,226 | 16 |
| James W. Mooradian | $686,272 | 1 |
| Kapnick & Company, Inc. | $678,156 | 11 |
| Catalyst Benefits Group, LLC | $606,835 | 1 |
| AssuredPartners | $475,499 | 9 |
| Rebecca a McLaughlan | $447,472 | 8 |
| Mercer | $361,373 | 1 |
| Melissa Armatis | $237,372 | 2 |
| Custom Benefit Programs Inc | $226,806 | 1 |
Largest medical carriers
Medical premium written for these employers.
Detroit 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.
| Detroit | Michigan | United States | |
|---|---|---|---|
| Employer plans | 95 | 2,113 | 58,547 |
| Median commission rate | 3.1% (44 plans) | 3.2% | 3.8% |
| Middle half of rates | 2.7% – 3.8% | 3.0% – 4.5% | 2.7% – 5.0% |
| Median broker pay per employer | $100,731 | $68,927 | $72,628 |
| Medical premium per covered person | $5,990 | $5,845 | $7,274 |
| Plans reporting no commission | 1 | 47 | 933 |
Year over year. In plan year 2023, 92 Detroit employers reported $187M in premiums and $13M in broker pay for 369,139 participants; in 2024 it was $207M and $13M for 410,066 participants (premiums +10.3%, broker pay +1.9%).
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 Detroit employers pay health insurance brokers?
95 Detroit employers reported $12,915,102 in broker commissions and fees on their 2024 Form 5500 filings, 90 of them disclosing at least some compensation. Among 44 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 0.7 points below the U.S. median of 3.8%. In dollars, the median Detroit employer that disclosed broker pay reported $100,731.
Which Detroit employers have the largest health plans?
By insurance premium reported for 2024, Dte Energy Corporate Services, LLC ($46M), Harvest Sherwood Food Distributors, Inc. ($13M), Pressure Vessel Service, Inc. ($12M) lead. 25 Detroit employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Detroit?
By compensation reported by Detroit employers, the largest brokers are Marsh McLennan Agency ($1.8M, 20 plans), Gallagher ($1.3M, 16 plans), James W. Mooradian ($686,272, 1 plans). By medical premium, the largest carriers are Blue Cross Blue Shield of Michigan, Blue Care Network of Michigan, Humana Insurance Company.
Are Detroit employer health plans self-funded or fully insured?
Of 95 Detroit employer plans, 21 are fully insured, 20 are self-funded and 54 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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