Northville, Michigan employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
17 employers in Northville, Michigan filed health plans with 100 or more participants for plan year 2024, covering 37,021 participants. They reported $13M in insurance premiums and $1.9M in broker commissions and fees. Against 2023, premiums were up 43.0% and broker pay fell 31.6%.
Funding: 3 fully insured · 6 self-funded · 8 mixed. 14 of 17 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Northville
Northville employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Ox Paperboard Michigan LLC | $2,358,204 | $102,048 | 114 | Patricia Forletta |
| Bb&E, Inc. | $2,140,961 | $167,583 | 309 | Stephen N McCain |
| Utac US Inc. | $1,562,308 | $69,647 | 154 | Travis Porta |
| Jack Doheny Companies, Inc. | $1,411,281 | $5,000 | 175 | David Haney |
| Efg Management Co., Inc. | $1,406,407 | $88,566 | 735 | Rebecca a McLaughlan |
| ZF North America, Inc. | $1,245,177 | $211,018 | 9,774 | Marsh McLennan Agency |
| Ovation Rehabilitation Services LLC | $1,240,808 | $76,854 | 168 | Rebecca a McLaughlan |
| Hella Corporate Center USA, Inc. | $479,962 | $28,611 | 697 | Gallagher |
| TRW Automotive US LLC | $387,002 | $25,717 | 1,822 | Marsh McLennan Agency |
| Cooper-Standard Automotive Inc. | $327,151 | $278,141 | 2,705 | Willis Towers Watson |
| Neyer, Tiseo & Hindo, LTD. | $101,001 | $93,509 | 106 | Axion RMS LTD |
| Royal Truck & Trailer Sales & Service, Inc. | $99,642 | $21,203 | 221 | Kapnick Insurance Group |
| Tenneco Automotive Operating Company Inc. | $0 | $459,575 | 17,529 | Mercer |
| Federal-Mogul Powertrain LLC | $0 | — | 1,658 | — |
| Gentherm Incorporated | $0 | $61,887 | 437 | Lockton |
| Reliable Software Resources, Inc. | $0 | $61,362 | 302 | Ashley Andrew Dsouza |
| Homestead Home Health Care | $0 | $101,377 | 115 | 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 Northville employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Mercer | $459,575 | 1 |
| Marsh McLennan Agency | $376,491 | 7 |
| Willis Towers Watson | $244,968 | 1 |
| HUB International | $112,192 | 3 |
| Rebecca a McLaughlan | $106,746 | 2 |
| Stephen N McCain | $97,999 | 1 |
| Axion RMS LTD | $93,162 | 1 |
| Patricia Forletta | $67,016 | 1 |
| Gallagher | $62,722 | 2 |
| Ashley Andrew Dsouza | $61,362 | 1 |
Largest medical carriers
Medical premium written for these employers.
Northville 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.
| Northville | Michigan | United States | |
|---|---|---|---|
| Employer plans | 17 | 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 | $82,710 | $68,927 | $72,628 |
| Medical premium per covered person | n/a | $5,845 | $7,274 |
| Plans reporting no commission | 2 | 47 | 933 |
Year over year. In plan year 2023, 16 Northville employers reported $8.9M in premiums and $2.7M in broker pay for 40,482 participants; in 2024 it was $13M and $1.9M for 37,021 participants (premiums +43.0%, broker pay −31.6%).
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 Northville employers pay health insurance brokers?
17 Northville employers reported $1,852,098 in broker commissions and fees on their 2024 Form 5500 filings, 16 of them disclosing at least some compensation. Too few fully insured medical plans in Northville 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 Northville employer that disclosed broker pay reported $82,710.
Which Northville employers have the largest health plans?
By insurance premium reported for 2024, Ox Paperboard Michigan LLC ($2.4M), Bb&E, Inc. ($2.1M), Utac US Inc. ($1.6M) lead. 17 Northville employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Northville?
By compensation reported by Northville employers, the largest brokers are Mercer ($459,575, 1 plans), Marsh McLennan Agency ($376,491, 7 plans), Willis Towers Watson ($244,968, 1 plans). By medical premium, the largest carriers are Blue Cross Blue Shield of Michigan, Blue Care Network of Michigan, Aetna Life Insurance Company.
Are Northville employer health plans self-funded or fully insured?
Of 17 Northville employer plans, 3 are fully insured, 6 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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