Jackson, Michigan employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
19 employers in Jackson, Michigan filed health plans with 100 or more participants for plan year 2024, covering 19,688 participants. They reported $21M in insurance premiums and $1.5M 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 down 3.6% and broker pay fell 14.4%.
Funding: 7 fully insured · 4 self-funded · 8 mixed. 12 of 19 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Jackson
Jackson employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Miramed Global Services LLC | $2,488,677 | $55,881 | 282 | Aon |
| American 1 Credit Union | $2,481,836 | $52,710 | 260 | Walton Agency, Inc |
| Center for Family Health | $2,356,112 | $89,418 | 263 | James F. Pickford |
| Commonwealth Associates Inc. | $2,254,909 | $68,583 | 496 | Rebecca a McLaughlan |
| True Community Credit Union | $2,223,920 | $147,733 | 181 | Rebecca a McLaughlan |
| Expect Exceptional LLC dba Optimal Care | $1,884,746 | $42,166 | 253 | Walton Agency, Inc. |
| Alro Steel Corporation | $1,804,254 | $297,112 | 3,268 | JFP Benefit Management Inc |
| Technique, Inc. | $1,529,487 | $103,927 | 234 | Daniel C Weaver |
| Elm Plating Company | $1,418,202 | $57,531 | 177 | Ryan J. Harris |
| Automated Logistic Systems | $1,372,656 | $65,386 | 158 | Robert B. Hurd |
| RW Mercer Co | $1,278,492 | $59,314 | 185 | Ryan J. Harris |
| Melling Tool Company | $226,144 | $90,976 | 465 | Berends Hendricks Stuit Ins Agency |
| Art Moehn Chevrolet Company | $57,370 | $33,483 | 107 | Harris Ryan J |
| Consumers Energy Company | $0 | $21,016 | 10,500 | Willis Towers Watson |
| Dawn Foods, Inc. | $0 | $221,293 | 1,977 | Marsh McLennan Agency |
| Advance Turning and Manufacturing | $0 | $10,835 | 444 | Frissora & Associates LLC |
| The Kennedy Group | $0 | $65,406 | 192 | Harris, Ryan J |
| Lansing Local 826 Glaziers Health & Welfare Trust | $0 | $6,415 | 133 | James F. Pickford |
| Trulife, Inc. | $0 | $5,531 | 113 | HUB International |
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 Jackson employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Marsh McLennan Agency | $261,237 | 3 |
| JFP Benefit Management Inc | $216,307 | 2 |
| Rebecca a McLaughlan | $174,295 | 2 |
| Walton Agency, Inc. | $112,369 | 7 |
| Kapnick & Company, Inc. | $103,457 | 1 |
| Ryan J Harris | $93,718 | 3 |
| Berends Hendricks Stuit Ins. Agency | $86,795 | 1 |
| Harris, Ryan J | $84,887 | 2 |
| James F. Pickford | $73,068 | 2 |
| Daniel C Weaver | $50,318 | 1 |
Largest medical carriers
Medical premium written for these employers.
Jackson 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.
| Jackson | Michigan | United States | |
|---|---|---|---|
| Employer plans | 19 | 2,113 | 58,547 |
| Median commission rate | 3.1% (10 plans) | 3.2% | 3.8% |
| Middle half of rates | 2.5% – 3.3% | 3.0% – 4.5% | 2.7% – 5.0% |
| Median broker pay per employer | $59,314 | $68,927 | $72,628 |
| Medical premium per covered person | $4,969 | $5,845 | $7,274 |
| Plans reporting no commission | 0 | 47 | 933 |
Year over year. In plan year 2023, 19 Jackson employers reported $22M in premiums and $1.7M in broker pay for 18,334 participants; in 2024 it was $21M and $1.5M for 19,688 participants (premiums −3.6%, broker pay −14.4%).
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 Jackson employers pay health insurance brokers?
19 Jackson employers reported $1,494,716 in broker commissions and fees on their 2024 Form 5500 filings, 19 of them disclosing at least some compensation. Among 10 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 Jackson employer that disclosed broker pay reported $59,314.
Which Jackson employers have the largest health plans?
By insurance premium reported for 2024, Miramed Global Services LLC ($2.5M), American 1 Credit Union ($2.5M), Center for Family Health ($2.4M) lead. 19 Jackson employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Jackson?
By compensation reported by Jackson employers, the largest brokers are Marsh McLennan Agency ($261,237, 3 plans), JFP Benefit Management Inc ($216,307, 2 plans), Rebecca a McLaughlan ($174,295, 2 plans). By medical premium, the largest carriers are Blue Care Network of Michigan, Blue Cross Blue Shield of Michigan, Symetra Life Insurance Company.
Are Jackson employer health plans self-funded or fully insured?
Of 19 Jackson employer plans, 7 are fully insured, 4 are self-funded and 8 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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