Novi, Michigan employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
44 employers in Novi, Michigan filed health plans with 100 or more participants for plan year 2024, covering 49,747 participants. They reported $44M in insurance premiums and $6.8M in broker commissions and fees. The median broker rate on commission-paying, fully insured medical plans was 3.3% of premium, against 3.2% across Michigan and 3.8% nationally. Against 2023, premiums were up 9.3% and broker pay fell 0.1%.
Funding: 10 fully insured · 16 self-funded · 18 mixed. 34 of 44 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Novi
Novi employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Hanon Systems USA, LLC | $7,159,720 | $376,057 | 667 | Hylant |
| Kotobukiya Treves North America, Inc. | $5,825,231 | $344,967 | 743 | Thomas D. Cassady |
| Hino Motors Sales U.S.A., Inc. | $2,835,992 | $106,708 | 133 | Rebecca a McLaughlan |
| Tremec Corporation | $2,803,697 | $112,819 | 393 | Rebecca a McLaughlan |
| BLM Group USA Corporation (erisa) | $2,485,327 | $140,779 | 204 | Greg Liposky |
| Daifuku North America, Inc. | $2,108,578 | $141,908 | 4,304 | ADP |
| Denso Ten America Limited | $2,080,151 | $87,451 | 210 | Rebecca a McLaughlan |
| Theoria Medical PLLC | $1,900,345 | $60,580 | 114 | Amy M. Roush Helwig |
| Camelot Venture Group, LLC | $1,539,960 | $58,310 | 118 | Katherine Henry - NFP Corporate |
| A123 Systems, LLC | $1,505,087 | $64,715 | 112 | Boston Benefit Partners an Alera |
| University Neurosurgical Associates | $1,475,378 | $85,701 | 144 | Theodore Souphis |
| Danlaw, Inc. | $1,469,878 | $190,141 | 121 | Centro Benefits Research LLC |
| Orotex Corporation | $1,466,285 | $77,752 | 150 | Eric T. Hammill |
| National Food Group | $1,249,032 | $99,965 | 125 | Mary Jo Lefevre |
| Bio-Behavioral Care Solutions, LLC | $1,134,939 | $66,063 | 123 | Albert Mitchell |
| Sidock Group, Inc. | $1,068,773 | $68,783 | 103 | Shannon J. Enders |
| Michigan Medical Advantage Inc. | $1,067,521 | $43,993 | 156 | EPIC Insurance Brokers |
| Varsity Lincoln, Inc. | $900,374 | $49,073 | 130 | Robert V Weiland |
| Purem Novi Inc. | $824,685 | $118,366 | 1,500 | Lockton |
| Hino Motors Manufacturing USA, Inc. | $720,425 | $83,440 | 1,593 | Gallagher |
| Vconverter Corporation | $554,869 | $44,463 | 121 | Albert Mitchell |
| Berkshire Production Supply, LLC | $518,153 | $289,573 | 759 | Frank J Mayer |
| Stoneridge, Inc. | $337,430 | $35,368 | 709 | Willis Towers Watson |
| CNS Healthcare | $330,830 | $57,758 | 385 | Lockton |
| Vibe Credit Union | $307,308 | $200,607 | 238 | Benefits Partner LLC |
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 Novi employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Brown & Brown | $914,116 | 4 |
| Willis Towers Watson | $732,189 | 2 |
| Marsh McLennan Agency | $578,529 | 10 |
| Mercer | $560,036 | 1 |
| Gallagher | $403,335 | 4 |
| World Insurance Associates | $329,986 | 1 |
| American Benefits & Comp Systems | $239,911 | 1 |
| Thomas D. Cassady | $226,323 | 1 |
| Rebecca a McLaughlan | $213,415 | 3 |
| Benefits Partner LLC | $200,607 | 1 |
Largest medical carriers
Medical premium written for these employers.
Novi 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.
| Novi | Michigan | United States | |
|---|---|---|---|
| Employer plans | 44 | 2,113 | 58,547 |
| Median commission rate | 3.3% (15 plans) | 3.2% | 3.8% |
| Middle half of rates | 3.0% – 4.6% | 3.0% – 4.5% | 2.7% – 5.0% |
| Median broker pay per employer | $87,451 | $68,927 | $72,628 |
| Medical premium per covered person | $5,768 | $5,845 | $7,274 |
| Plans reporting no commission | 0 | 47 | 933 |
Year over year. In plan year 2023, 43 Novi employers reported $40M in premiums and $6.8M in broker pay for 48,386 participants; in 2024 it was $44M and $6.8M for 49,747 participants (premiums +9.3%, broker pay −0.1%).
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 Novi employers pay health insurance brokers?
44 Novi employers reported $6,796,402 in broker commissions and fees on their 2024 Form 5500 filings, 43 of them disclosing at least some compensation. Among 15 commission-paying, fully insured medical plans, the median broker rate was 3.3% of premium, 0.1 points above the Michigan median of 3.2% and 0.5 points below the U.S. median of 3.8%. In dollars, the median Novi employer that disclosed broker pay reported $87,451.
Which Novi employers have the largest health plans?
By insurance premium reported for 2024, Hanon Systems USA, LLC ($7.2M), Kotobukiya Treves North America, Inc. ($5.8M), Hino Motors Sales U.S.A., Inc. ($2.8M) lead. 25 Novi employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Novi?
By compensation reported by Novi employers, the largest brokers are Brown & Brown ($914,116, 4 plans), Willis Towers Watson ($732,189, 2 plans), Marsh McLennan Agency ($578,529, 10 plans). By medical premium, the largest carriers are Blue Cross Blue Shield of Michigan, Blue Care Network of Michigan, Health Alliance Plan.
Are Novi employer health plans self-funded or fully insured?
Of 44 Novi employer plans, 10 are fully insured, 16 are self-funded and 18 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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