Flint, Michigan employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
18 employers in Flint, Michigan filed health plans with 100 or more participants for plan year 2024, covering 4,311 participants. They reported $21M in insurance premiums and $1.4M in broker commissions and fees. The median broker rate on commission-paying, fully insured medical plans was 3.5% of premium, against 3.2% across Michigan and 3.8% nationally. Against 2023, premiums were up 32.3% and broker pay rose 20.2%.
Funding: 8 fully insured · 3 self-funded · 7 mixed. 10 of 18 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Flint
Flint employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Shively Brothers Inc. | $2,782,214 | $69,648 | 427 | Micah Widder Group PLLC |
| Financial Plus Credit Union | $2,521,536 | $153,401 | 255 | Michigan Planners, Inc. |
| Rowe Professional Services Company | $2,434,777 | $95,028 | 213 | Rebecca a McLaughlan |
| Pioneer State Mutual Insurance Company | $2,331,283 | $104,656 | 197 | Michigan Planners, Inc. |
| Shea Buick GMC | $1,640,034 | $106,768 | 294 | Steve T Mattar |
| Mott Childrens Health Center | $1,405,272 | $112,572 | 116 | John Dilorenzo |
| Goyette Mechanical Company Inc | $1,236,343 | $66,630 | 118 | Total Benefit Systems, Inc |
| Ennis Center for Children | $1,212,978 | $47,959 | 151 | Michael Spleet |
| Premiere Packaging, Inc. | $1,102,713 | $44,439 | 161 | Suzanne Miller |
| Miller Apple LP | $978,548 | $45,449 | 139 | Scott Settle |
| Goodwill Industries of Mid Michigan | $929,567 | $19,493 | 124 | Berends Hendricks Stuit Agency |
| Quick-Sav Food Stores, LTD | $906,105 | $73,816 | 141 | Andrew Scheidt |
| Security Packaging, Inc | $636,256 | $50,708 | 137 | Albert Mitchell |
| Kettering University | $288,383 | $122,025 | 345 | Marsh McLennan Agency |
| Insight Management and Consulting Services, Inc | $280,651 | $146,804 | 468 | NFP |
| The DM Burr Group | $0 | $83,362 | 749 | Dilorenzo, John F. |
| Oakley Industries Sub Assembly Division, Inc. | $0 | $82,470 | 139 | Asr Health Benefits |
| Quality Temporary Services Inc | $0 | $24,102 | 137 | Brown & Brown |
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 Flint employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Michigan Planners, Inc. | $255,869 | 4 |
| John Dilorenzo | $141,507 | 2 |
| NFP | $137,288 | 3 |
| Marsh McLennan Agency | $135,737 | 3 |
| Asr Health Benefits | $79,619 | 1 |
| Steve T Mattar | $69,940 | 1 |
| Total Benefit Systems, Inc. | $66,630 | 1 |
| Dilorenzo, John F. | $56,615 | 1 |
| Andrew Scheidt | $47,089 | 1 |
| Cambridge Consulting Group, LLC | $42,400 | 3 |
Largest medical carriers
Medical premium written for these employers.
Flint 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.
| Flint | Michigan | United States | |
|---|---|---|---|
| Employer plans | 18 | 2,113 | 58,547 |
| Median commission rate | 3.5% (13 plans) | 3.2% | 3.8% |
| Middle half of rates | 3.1% – 4.7% | 3.0% – 4.5% | 2.7% – 5.0% |
| Median broker pay per employer | $78,143 | $68,927 | $72,628 |
| Medical premium per covered person | $5,878 | $5,845 | $7,274 |
| Plans reporting no commission | 0 | 47 | 933 |
Year over year. In plan year 2023, 17 Flint employers reported $16M in premiums and $1.2M in broker pay for 3,967 participants; in 2024 it was $21M and $1.4M for 4,311 participants (premiums +32.3%, broker pay +20.2%).
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 Flint employers pay health insurance brokers?
18 Flint employers reported $1,449,330 in broker commissions and fees on their 2024 Form 5500 filings, 18 of them disclosing at least some compensation. Among 13 commission-paying, fully insured medical plans, the median broker rate was 3.5% of premium, 0.3 points above the Michigan median of 3.2% and 0.3 points below the U.S. median of 3.8%. In dollars, the median Flint employer that disclosed broker pay reported $78,143.
Which Flint employers have the largest health plans?
By insurance premium reported for 2024, Shively Brothers Inc. ($2.8M), Financial Plus Credit Union ($2.5M), Rowe Professional Services Company ($2.4M) lead. 18 Flint employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Flint?
By compensation reported by Flint employers, the largest brokers are Michigan Planners, Inc. ($255,869, 4 plans), John Dilorenzo ($141,507, 2 plans), NFP ($137,288, 3 plans). By medical premium, the largest carriers are Blue Care Network of Michigan, Blue Cross Blue Shield of Michigan, Alliance Health and Life Insurance Company.
Are Flint employer health plans self-funded or fully insured?
Of 18 Flint employer plans, 8 are fully insured, 3 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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