Grand Rapids, Michigan employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
213 employers in Grand Rapids, Michigan filed health plans with 100 or more participants for plan year 2024, covering 232,363 participants. They reported $151M in insurance premiums and $21M in broker commissions and fees. The median broker rate on commission-paying, fully insured medical plans was 3.2% of premium, against 3.2% across Michigan and 3.8% nationally. Against 2023, premiums were down 1.4% and broker pay rose 10.7%.
Funding: 49 fully insured · 81 self-funded · 83 mixed. 164 of 213 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Grand Rapids
Grand Rapids employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Aeg Holding Company, Inc. | $12,289,470 | $283,989 | 1,901 | Joseph Agnello |
| Carelinc Medical Equipment & Supply Co., LLC | $7,143,560 | $218,200 | 507 | Robert A. Heintz |
| Holland Home | $6,991,568 | $150,502 | 1,112 | Kevin D. Cumings |
| Grand River Aseptic Manufacturing | $5,778,970 | $192,375 | 526 | Patrick D. Dalton |
| Life EMS, Inc. | $5,212,649 | $33,633 | 426 | HUB International |
| Dematic Corp. | $5,170,185 | $783,057 | 4,435 | Custom Benefit Programs Inc |
| Dykstra's Auto Service, Inc. | $4,806,032 | $208,335 | 882 | Berends-Hendricks-Stuit Ins. |
| Lowery Corporation | $4,725,734 | $166,110 | 721 | Max Rispler |
| 20-20 Technologies Commercial Corp | $4,491,414 | $289,876 | 335 | Bryna Davis |
| Kendrick Plastics, Inc. | $3,485,113 | $164,653 | 268 | Elaine C. Coffman |
| Orthopaedic Associates of Grand Rapids | $3,438,031 | $221,527 | 352 | Carman M. Baines |
| Area Community Service Employment & Training Council | $3,112,159 | $120,845 | 327 | Kevin J. Lawrence |
| Waseyabek Development Company, LLC | $2,875,667 | $132,371 | 323 | Brian T Cote |
| Autodie, LLC | $2,874,902 | $107,812 | 174 | Dana Maki |
| Cornerstone University | $2,692,184 | $117,280 | 208 | Kevin D. Cumings |
| Edustaff, LLC | $2,644,818 | $9,999 | 163 | Benefit Profiles, Inc. |
| Owen Ames Kimball Co | $2,523,620 | $78,705 | 187 | Michael Hagerty |
| Notions Marketing Corporation | $2,455,420 | $131,335 | 274 | Olivier Vandyk Insurance |
| Member First Mortgage, LLC | $2,414,877 | $126,048 | 159 | Benefits Partner LLC |
| American Seating Company | $2,411,084 | $93,328 | 182 | Alexandra Juneau |
| Tribus Aerospace Corp | $2,382,055 | $125,247 | 271 | Patricia Sullivan Forletta |
| Purity Cylinder Gases Inc. | $2,306,679 | $158,638 | 205 | Andrew L Disselkoen |
| Nederveld, Inc. | $2,304,807 | $75,626 | 199 | Michael Hagerty |
| Steelcase Inc. | $2,208,085 | $949,490 | 4,202 | Aon |
| National Nail Corp. | $2,178,588 | $62,406 | 144 | Julie S Sessions |
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 Grand Rapids employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Acrisure | $1,249,304 | 17 |
| Lockton | $1,106,111 | 11 |
| Marsh McLennan Agency | $1,017,032 | 17 |
| Mercer | $915,350 | 5 |
| Aon | $887,749 | 5 |
| Advantage Benefits Group, Inc. | $886,812 | 25 |
| Custom Benefit Programs Inc | $857,577 | 4 |
| Hylant | $596,519 | 15 |
| Willis Towers Watson | $543,116 | 5 |
| Berends Hendricks Stuit Insurance | $382,824 | 10 |
Largest medical carriers
Medical premium written for these employers.
Grand Rapids 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.
| Grand Rapids | Michigan | United States | |
|---|---|---|---|
| Employer plans | 213 | 2,113 | 58,547 |
| Median commission rate | 3.2% (48 plans) | 3.2% | 3.8% |
| Middle half of rates | 2.9% – 4.1% | 3.0% – 4.5% | 2.7% – 5.0% |
| Median broker pay per employer | $59,089 | $68,927 | $72,628 |
| Medical premium per covered person | $5,930 | $5,845 | $7,274 |
| Plans reporting no commission | 5 | 47 | 933 |
Year over year. In plan year 2023, 209 Grand Rapids employers reported $153M in premiums and $19M in broker pay for 188,936 participants; in 2024 it was $151M and $21M for 232,363 participants (premiums −1.4%, broker pay +10.7%).
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 Grand Rapids employers pay health insurance brokers?
213 Grand Rapids employers reported $21,090,582 in broker commissions and fees on their 2024 Form 5500 filings, 208 of them disclosing at least some compensation. Among 48 commission-paying, fully insured medical plans, the median broker rate was 3.2% of premium, 0.0 points above the Michigan median of 3.2% and 0.5 points below the U.S. median of 3.8%. In dollars, the median Grand Rapids employer that disclosed broker pay reported $59,089.
Which Grand Rapids employers have the largest health plans?
By insurance premium reported for 2024, Aeg Holding Company, Inc. ($12M), Carelinc Medical Equipment & Supply Co., LLC ($7.1M), Holland Home ($7.0M) lead. 25 Grand Rapids employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Grand Rapids?
By compensation reported by Grand Rapids employers, the largest brokers are Acrisure ($1.2M, 17 plans), Lockton ($1.1M, 11 plans), Marsh McLennan Agency ($1.0M, 17 plans). By medical premium, the largest carriers are Blue Care Network of Michigan, Blue Cross Blue Shield of Michigan, Blue Cross Blue Shield of Massachusetts, Inc..
Are Grand Rapids employer health plans self-funded or fully insured?
Of 213 Grand Rapids employer plans, 49 are fully insured, 81 are self-funded and 83 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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