Livonia, Michigan employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
39 employers in Livonia, Michigan filed health plans with 100 or more participants for plan year 2024, covering 194,503 participants. They reported $80M in insurance premiums and $5.2M 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 28.4% and broker pay rose 13.3%.
Funding: 12 fully insured · 8 self-funded · 19 mixed. 27 of 39 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Livonia
Livonia employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Linamar Holdings Nevada, Inc | $34,951,709 | $867,626 | 3,527 | Michael Nydegger |
| AAA Life Insurance Company | $11,284,011 | $365,779 | 757 | Marsh McLennan Agency |
| Escalent, Inc. | $7,009,274 | $236,468 | 707 | Rebecca a McLaughlan |
| Alta Enterprises, LLC | $4,285,123 | $218,727 | 1,732 | HUB International |
| Hamadeh Educational Services, Inc. | $3,386,439 | $157,554 | 472 | Matthew J McDonald |
| Ram Construction Services, Inc | $2,515,483 | $134,874 | 135 | Mary Jo Lefevre |
| Aristeo Construction Company | $2,108,593 | $94,848 | 162 | E Andrea Kinkade |
| Acro Service Corp. | $2,078,887 | $115,112 | 1,464 | Marsh McLennan Agency |
| Washers, Inc. | $1,987,819 | $155,090 | 136 | Rebecca a McLaughlan |
| Dynamic Map Platform North America, Inc. | $1,507,767 | $108,449 | 152 | Todd Buchanan |
| NYX, Inc. | $1,477,417 | $210,489 | 2,108 | Axion RMS LTD |
| Caresoft Global Technologies, Inc. | $1,413,888 | $71,070 | 116 | Katherine C Wood |
| National Brands Staffing Solutions | $1,038,505 | $37,172 | 228 | Lauren Comforti |
| Zeal Credit Union | $958,826 | $60,186 | 144 | Rebecca a McLaughlan |
| Delta Research Corporation | $852,018 | $41,055 | 123 | Elaine C. Coffman |
| Lga Retail, Inc. | $746,816 | $56,443 | 166 | Rebecca a McLaughlan |
| TSFR Apple Venture, LLC | $700,008 | $109,454 | 979 | Hays Companies |
| Associated Management Companies | $593,436 | $60,810 | 118 | Scott Settle |
| Fast Switch-Great Lakes LLC | $580,842 | $35,431 | 217 | Randall Hoover |
| Mastronardi Produce USA | $485,529 | $549,269 | 2,721 | Alium Insurance Partners, LLC |
| Hegira Health, Inc. | $271,311 | $183,768 | 475 | Krystn E. Clark |
| Plastomer Corporation | $95,597 | $81,091 | 102 | Axion RMS LTD |
| General Fasteners Company | $83,596 | $48,639 | 129 | Kelley a Demiryan |
| Quest, Inc. | $34,932 | $36,794 | 206 | Kyle Muxlow |
| Bluestone Children's Center | $25,775 | $20,543 | 163 | 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 Livonia employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Michael Nydegger | $678,116 | 1 |
| Marsh McLennan Agency | $517,319 | 8 |
| Rebecca a McLaughlan | $476,309 | 6 |
| Hilb Group of New England | $301,017 | 2 |
| Alium Insurance Partners, LLC | $286,709 | 1 |
| Axion RMS LTD | $279,550 | 2 |
| Aon | $219,873 | 2 |
| HUB International | $196,986 | 4 |
| Woodruff Sawyer | $187,358 | 1 |
| Kelley Anderson | $165,539 | 1 |
Largest medical carriers
Medical premium written for these employers.
Livonia 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.
| Livonia | Michigan | United States | |
|---|---|---|---|
| Employer plans | 39 | 2,113 | 58,547 |
| Median commission rate | 3.5% (17 plans) | 3.2% | 3.8% |
| Middle half of rates | 3.0% – 4.7% | 3.0% – 4.5% | 2.7% – 5.0% |
| Median broker pay per employer | $91,374 | $68,927 | $72,628 |
| Medical premium per covered person | $5,901 | $5,845 | $7,274 |
| Plans reporting no commission | 0 | 47 | 933 |
Year over year. In plan year 2023, 39 Livonia employers reported $63M in premiums and $4.6M in broker pay for 180,810 participants; in 2024 it was $80M and $5.2M for 194,503 participants (premiums +28.4%, broker pay +13.3%).
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 Livonia employers pay health insurance brokers?
39 Livonia employers reported $5,237,243 in broker commissions and fees on their 2024 Form 5500 filings, 38 of them disclosing at least some compensation. Among 17 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 Livonia employer that disclosed broker pay reported $91,374.
Which Livonia employers have the largest health plans?
By insurance premium reported for 2024, Linamar Holdings Nevada, Inc ($35M), AAA Life Insurance Company ($11M), Escalent, Inc. ($7.0M) lead. 25 Livonia employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Livonia?
By compensation reported by Livonia employers, the largest brokers are Michael Nydegger ($678,116, 1 plans), Marsh McLennan Agency ($517,319, 8 plans), Rebecca a McLaughlan ($476,309, 6 plans). By medical premium, the largest carriers are Blue Cross Blue Shield of Michigan, Blue Care Network of Michigan, Blue Cross Blue Shield of Massachusetts, Inc..
Are Livonia employer health plans self-funded or fully insured?
Of 39 Livonia employer plans, 12 are fully insured, 8 are self-funded and 19 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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