Lansing, Michigan employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
58 employers in Lansing, Michigan filed health plans with 100 or more participants for plan year 2024, covering 68,379 participants. They reported $117M in insurance premiums and $4.9M 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 7.8% and broker pay rose 8.6%.
Funding: 10 fully insured · 17 self-funded · 31 mixed. 48 of 58 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Lansing
Lansing employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Builders Exchange of Lansing and Central Michigan Assoc Health | $28,088,290 | — | 4,767 | — |
| Michigan Beer & Wine Wholesalers Assn. | $20,380,784 | $2,752 | 1,406 | Gallagher |
| Neca-Ibew Local 364 Welfare TR FND | $14,194,973 | — | 961 | — |
| Auto-Owners Insurance Company | $11,478,625 | — | 5,823 | — |
| Invio Automation, Inc | $4,339,147 | $107,974 | 460 | Eric Brogan |
| Centralstar Cooperative, Inc. | $3,686,134 | $140,003 | 290 | Scott Settle |
| Michigan Farm Bureau | $3,405,272 | $190,960 | 1,085 | Angela Garner |
| Shaheen Automotive Group | $3,023,037 | $114,854 | 259 | Timothy M Durso |
| Capital Area Community Services | $2,884,316 | $184,286 | 230 | Bruce J. Waldecker |
| Lafcu | $2,631,225 | $109,263 | 250 | The Centennial Group |
| Cinnaire Corporation | $2,015,096 | $106,424 | 105 | Eric Brogan |
| Michigan Millers Mutual Insurance Company | $1,967,709 | $91,508 | 173 | Rebecca a McLaughlan |
| Pollard Ilottery Inc. | $1,805,400 | $65,123 | 112 | PM Group Benefit Advisors Ii, LLC |
| Maner, Costerisan & Ellis, P.C. | $1,646,403 | $79,753 | 177 | Cameron M Kennedy |
| Capital Internal Medicine Associates, PC | $1,608,841 | $96,032 | 142 | Douglas H Roehm |
| Peckham Vocational Industries, Inc. | $1,586,408 | $293,192 | 2,851 | Gregory D Brogen |
| DTN Management Co. | $1,473,324 | $53,369 | 218 | Andrew D Brogan |
| Sparrow Health System | $1,472,945 | $69,691 | 9,053 | Alliant Insurance Services |
| The Christman Company | $1,442,341 | $302,981 | 731 | Kapnick & Company |
| Michigan Virtual University | $1,423,311 | $94,974 | 115 | Rebecca a McLaughlan |
| Air Lift Company | $1,262,736 | $52,688 | 192 | Max Rispler |
| Sohn Linen Service Inc | $1,177,198 | $64,381 | 169 | Patricia Sullivan Forletta |
| Capital Consultants, Inc. | $1,145,555 | $84,630 | 102 | Carl G. Hofmann |
| Triton Industries, Inc. | $962,003 | $34,422 | 266 | Mercer |
| Neogen Corporation and Subsidiaries | $888,946 | $312,618 | 1,468 | Marsh McLennan Agency |
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 Lansing employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Michael G. Buck | $794,900 | 7 |
| Marsh McLennan Agency | $378,190 | 6 |
| Gregory D Brogen | $225,638 | 1 |
| Rebecca a McLaughlan | $214,503 | 5 |
| Advantage Benefits Group, Inc. | $176,281 | 2 |
| Kapnick & Company, Inc. | $172,139 | 1 |
| Andrew Brogan | $159,871 | 2 |
| The Centennial Group | $155,706 | 4 |
| Lockton | $153,891 | 1 |
| HUB International | $149,231 | 6 |
Largest medical carriers
Medical premium written for these employers.
Lansing 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.
| Lansing | Michigan | United States | |
|---|---|---|---|
| Employer plans | 58 | 2,113 | 58,547 |
| Median commission rate | 3.5% (14 plans) | 3.2% | 3.8% |
| Middle half of rates | 3.0% – 4.9% | 3.0% – 4.5% | 2.7% – 5.0% |
| Median broker pay per employer | $80,447 | $68,927 | $72,628 |
| Medical premium per covered person | $6,226 | $5,845 | $7,274 |
| Plans reporting no commission | 4 | 47 | 933 |
Year over year. In plan year 2023, 59 Lansing employers reported $108M in premiums and $4.5M in broker pay for 68,365 participants; in 2024 it was $117M and $4.9M for 68,379 participants (premiums +7.8%, broker pay +8.6%).
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 Lansing employers pay health insurance brokers?
58 Lansing employers reported $4,895,471 in broker commissions and fees on their 2024 Form 5500 filings, 49 of them disclosing at least some compensation. Among 14 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 Lansing employer that disclosed broker pay reported $80,447.
Which Lansing employers have the largest health plans?
By insurance premium reported for 2024, Builders Exchange of Lansing and Central Michigan Assoc Health ($28M), Michigan Beer & Wine Wholesalers Assn. ($20M), Neca-Ibew Local 364 Welfare TR FND ($14M) lead. 25 Lansing employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Lansing?
By compensation reported by Lansing employers, the largest brokers are Michael G. Buck ($794,900, 7 plans), Marsh McLennan Agency ($378,190, 6 plans), Gregory D Brogen ($225,638, 1 plans). By medical premium, the largest carriers are Blue Cross Blue Shield of Michigan, Blue Care Network of Michigan, Bluecross Blueshield of Illinois.
Are Lansing employer health plans self-funded or fully insured?
Of 58 Lansing employer plans, 10 are fully insured, 17 are self-funded and 31 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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