Madison Heights, Michigan employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
18 employers in Madison Heights, Michigan filed health plans with 100 or more participants for plan year 2024, covering 14,923 participants. They reported $13M in insurance premiums and $1.7M in broker commissions and fees. Against 2023, premiums were up 17.8% and broker pay fell 10.4%.
Funding: 7 fully insured · 2 self-funded · 9 mixed. 11 of 18 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Madison Heights
Madison Heights employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Commercial Steel Treating Corporation | $2,884,621 | $7,306 | 273 | Brown & Brown |
| ND Defense, LLC | $2,402,151 | $134,136 | 356 | Rebecca a McLaughlan |
| Galco Industrial Electronics, Inc. | $2,056,509 | $133,011 | 203 | Stacy V. Harris |
| Xebia USA Inc | $1,909,909 | $143,768 | 103 | Dean E. Austin |
| McNaughton-Mckay Electric Company | $903,545 | $93,492 | 1,269 | Cambridge Consulting Group LLC |
| Crystal Employment Services | $816,741 | $40,061 | 111 | Joseph J Haney |
| Trevco, Inc. | $782,180 | $33,867 | 138 | Anja Harmon |
| The Healing Haven, LLC | $533,501 | $33,028 | 139 | Jonathan Lau |
| Global Payroll, Inc. dba Wireless Giant | $451,325 | $29,649 | 150 | Dean E. Austin |
| Bio-Serv Corporation | $175,568 | $85,904 | 316 | Gallagher |
| Hungry Howie's Distributing, Inc. | $60,907 | $64,032 | 102 | Marsh McLennan Agency |
| Ionbond LLC | $11,065 | $37,054 | 230 | Marsh McLennan Agency |
| Board of Trustees, Electrical Workers Insurance Fund | $0 | $242,578 | 5,850 | Timberland Group Services |
| Trustees of Michigan Electrical Employees' Health Plan | $0 | $258,501 | 4,348 | Michael G Buck |
| KNPC Holdco LLC dba Second Nature Brands | $0 | $7,730 | 436 | Marsh McLennan Agency |
| Wall Colmonoy Corporation | $0 | $259,552 | 418 | The HDH Group |
| Shannon Precision Fastener LLC | $0 | $10,895 | 334 | Brsi Employee Benefit Solutions LLC |
| Inductoheat, Inc. | $0 | $48,939 | 147 | James B Oswald Company |
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 Madison Heights employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Michael G. Buck | $258,501 | 1 |
| Timberland Group Services, Inc. | $201,592 | 1 |
| Marsh McLennan Agency | $159,384 | 4 |
| Dean E. Austin | $111,599 | 2 |
| Stacy V. Harris | $98,221 | 1 |
| Rebecca a McLaughlan | $81,597 | 2 |
| Gallagher | $80,904 | 1 |
| Cambridge Consulting Group, LLC | $74,053 | 1 |
| Austin Financial Group, LLC | $60,928 | 2 |
| James B. Oswald Company | $48,939 | 1 |
Largest medical carriers
Medical premium written for these employers.
Madison Heights 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.
| Madison Heights | Michigan | United States | |
|---|---|---|---|
| Employer plans | 18 | 2,113 | 58,547 |
| Median commission rate | n/a | 3.2% | 3.8% |
| Middle half of rates | n/a | 3.0% – 4.5% | 2.7% – 5.0% |
| Median broker pay per employer | $56,486 | $68,927 | $72,628 |
| Medical premium per covered person | n/a | $5,845 | $7,274 |
| Plans reporting no commission | 1 | 47 | 933 |
Year over year. In plan year 2023, 18 Madison Heights employers reported $11M in premiums and $1.9M in broker pay for 14,288 participants; in 2024 it was $13M and $1.7M for 14,923 participants (premiums +17.8%, broker pay −10.4%).
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 Madison Heights employers pay health insurance brokers?
18 Madison Heights employers reported $1,663,503 in broker commissions and fees on their 2024 Form 5500 filings, 18 of them disclosing at least some compensation. Too few fully insured medical plans in Madison Heights reported premium to compute a stable commission rate; the Michigan median is 3.2% and the U.S. median is 3.8%. In dollars, the median Madison Heights employer that disclosed broker pay reported $56,486.
Which Madison Heights employers have the largest health plans?
By insurance premium reported for 2024, Commercial Steel Treating Corporation ($2.9M), ND Defense, LLC ($2.4M), Galco Industrial Electronics, Inc. ($2.1M) lead. 18 Madison Heights employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Madison Heights?
By compensation reported by Madison Heights employers, the largest brokers are Michael G. Buck ($258,501, 1 plans), Timberland Group Services, Inc. ($201,592, 1 plans), Marsh McLennan Agency ($159,384, 4 plans). By medical premium, the largest carriers are Blue Cross Blue Shield of Michigan, Blue Care Network of Michigan, Meritain Health.
Are Madison Heights employer health plans self-funded or fully insured?
Of 18 Madison Heights employer plans, 7 are fully insured, 2 are self-funded and 9 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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