Muskegon, Michigan employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
21 employers in Muskegon, Michigan filed health plans with 100 or more participants for plan year 2024, covering 6,993 participants. They reported $6.4M in insurance premiums and $1.2M in broker commissions and fees. Against 2023, premiums were down 24.3% and broker pay rose 1.2%.
Funding: 6 fully insured · 8 self-funded · 7 mixed. 15 of 21 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Muskegon
Muskegon employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Orthopaedic Associates of Muskegon PC | $2,446,419 | $139,059 | 164 | Van de Venter, Glen |
| Cole's Quality Foods, Inc. | $1,739,694 | $103,156 | 189 | Robert L. Hughes |
| Bert Hazekamp & Son Inc. | $708,432 | $34,130 | 115 | Shannon J Enders |
| Saf-Holland, Inc. | $479,303 | $87,967 | 1,123 | Willis Towers Watson |
| Cannon-Muskegon Corporation | $190,346 | $12,699 | 166 | Aon |
| Brunswick Bowling Products, LLC. | $183,485 | $88,509 | 236 | Jason Nickel |
| Wesco, Inc. | $160,036 | $16,682 | 605 | Spectrum Benefits, LLC |
| Comfort Control Supply Co., Inc. | $105,592 | $21,299 | 190 | HUB International |
| MY Auto Imports Center LLC | $101,940 | $18,235 | 277 | Berends Hendricks Stuit Ins. Agency |
| Harbor Group Incorporated Employee Benefit Plan | $94,385 | $158,987 | 217 | Mark W. Smith |
| M. Argueso & Company, Inc. dba Paramelt | $86,568 | $28,572 | 146 | Lighthouse Group, LLC |
| Goodwill Industries of West Michigan, Inc. | $62,236 | $24,334 | 192 | TCHP, LLC |
| Fomcore, LLC | $60,136 | $47,059 | 172 | Kramer, Richard |
| Eagle Alloy, Inc. | $0 | $32,601 | 755 | Lighthouse Group |
| Betten Chevrolet, Inc. | $0 | $23,851 | 573 | Longcore, William S |
| Family Farm & Home, Inc. | $0 | $47,672 | 552 | Hylant |
| Renk America LLC | $0 | $14,510 | 384 | Lighthouse Group, and Alera Group |
| Moka Corporation | $0 | $26,130 | 308 | Lighthouse Group |
| Hackley Community Care Center, Inc. | $0 | $123,706 | 294 | Roxanna Dieterle |
| Muskegon Surgical Associates, P.C. | $0 | $50,937 | 194 | Stephen L Rauschert |
| Lakeside Surfaces, LLC | $0 | $55,371 | 141 | Carman M. Baines |
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 Muskegon employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Lighthouse Group | $162,301 | 6 |
| Mark W. Smith | $134,057 | 1 |
| Roxanna Dieterle | $75,179 | 1 |
| Van de Venter, Glen | $68,576 | 1 |
| Hylant | $63,644 | 2 |
| Willis Towers Watson | $57,033 | 1 |
| Jason Nickel | $52,339 | 1 |
| Robert L. Hughes | $51,585 | 1 |
| Gallagher | $42,527 | 1 |
| Advantage Benefits Group, Inc. | $41,319 | 1 |
Largest medical carriers
Medical premium written for these employers.
Muskegon 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.
| Muskegon | Michigan | United States | |
|---|---|---|---|
| Employer plans | 21 | 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 | $34,130 | $68,927 | $72,628 |
| Medical premium per covered person | n/a | $5,845 | $7,274 |
| Plans reporting no commission | 0 | 47 | 933 |
Year over year. In plan year 2023, 20 Muskegon employers reported $8.5M in premiums and $1.1M in broker pay for 6,318 participants; in 2024 it was $6.4M and $1.2M for 6,993 participants (premiums −24.3%, broker pay +1.2%).
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 Muskegon employers pay health insurance brokers?
21 Muskegon employers reported $1,155,466 in broker commissions and fees on their 2024 Form 5500 filings, 21 of them disclosing at least some compensation. Too few fully insured medical plans in Muskegon 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 Muskegon employer that disclosed broker pay reported $34,130.
Which Muskegon employers have the largest health plans?
By insurance premium reported for 2024, Orthopaedic Associates of Muskegon PC ($2.4M), Cole's Quality Foods, Inc. ($1.7M), Bert Hazekamp & Son Inc. ($708,432) lead. 21 Muskegon employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Muskegon?
By compensation reported by Muskegon employers, the largest brokers are Lighthouse Group ($162,301, 6 plans), Mark W. Smith ($134,057, 1 plans), Roxanna Dieterle ($75,179, 1 plans). By medical premium, the largest carriers are Priority Health, Blue Care Network of Michigan, Blue Cross Blue Shield of Michigan.
Are Muskegon employer health plans self-funded or fully insured?
Of 21 Muskegon employer plans, 6 are fully insured, 8 are self-funded and 7 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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