Saginaw, Michigan employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
24 employers in Saginaw, Michigan filed health plans with 100 or more participants for plan year 2024, covering 11,644 participants. They reported $30M in insurance premiums and $2.3M in broker commissions and fees. Against 2023, premiums were down 16.4% and broker pay rose 13.3%.
Funding: 9 fully insured · 9 self-funded · 6 mixed. 15 of 24 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Saginaw
Saginaw employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Morley Companies, Inc. | $11,698,098 | $428,586 | 1,241 | Brian T Cote |
| Great Lakes Bay Health Centers | $7,124,120 | $132,065 | 525 | Holmes Murphy |
| Spicer Group, Inc. | $2,823,927 | $124,511 | 237 | Rebecca a McLaughlan |
| Cignys | $1,305,950 | $76,634 | 101 | Scott Settle |
| Wildfire Credit Union | $1,148,758 | $59,992 | 146 | Robert J Dotson JR |
| RDM Holding Company | $1,127,904 | $61,137 | 172 | Michael E. Wojcik |
| Andrews Hooper Pavlik PLC | $1,036,618 | $35,462 | 134 | John F O'connor |
| Akt Peerless Environmental Services LLC | $985,455 | $57,327 | 100 | Rebecca A. McLaughlan |
| Causley Trucking Inc | $505,264 | $38,491 | 127 | Scott Settle |
| Yeo & Yeo, P.C. | $404,169 | $247,527 | 230 | Blue Cross Blue Shield of Michigan |
| Manufacturers Industrial Employee Association LTD | $375,924 | $56,311 | 615 | Gallagher |
| Mobile Medical Response, Inc. | $285,556 | $243,495 | 450 | Advanced Benefit Solutions Inc |
| Merrill Technologies Group, Inc. | $280,378 | $8,365 | 371 | Hylant |
| Team One Credit Union | $146,194 | $144,854 | 200 | Benefits Partner LLC |
| Rehmann LLC | $142,344 | $6,133 | 880 | Hylant |
| Stone Transport Limited Partnership | $118,203 | $23,198 | 277 | Lockton |
| Fullerton Tool Company | $112,774 | $162,891 | 185 | Asr Health Benefits |
| Saginaw Cooperative Hospitals dba Cmu Medical Education Partners | $18,035 | $20,153 | 405 | Saginaw Underwriters, Inc. |
| Nexteer Automotive Corporation | $0 | $68,488 | 1,788 | USI Insurance Services |
| Garber Management Group, Inc. | $0 | $129,697 | 1,279 | Cambridge Consulting Group LLC |
| Caravan Facilities Management, LLC | $0 | $76,114 | 1,150 | Savage and Associates Inc |
| JRB Personnel, LLC | $0 | $94,375 | 691 | Marsh McLennan Agency |
| Glastender, Inc | $0 | $4,288 | 197 | E.A. Becker & Associates Inc |
| Lake State Railway Company | $0 | — | 143 | — |
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 Saginaw employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Brian T Cote | $270,425 | 1 |
| Advanced Benefit Solutions Inc | $232,437 | 2 |
| Blue Cross Blue Shield of Michigan | $187,366 | 1 |
| Marsh McLennan Agency | $147,864 | 4 |
| Benefits Partner LLC | $139,381 | 1 |
| Asr Health Benefits | $138,701 | 1 |
| Cambridge Consulting Group, LLC | $128,631 | 1 |
| Holmes Murphy | $116,339 | 1 |
| Rebecca a McLaughlan | $115,783 | 2 |
| David Honaman | $92,006 | 1 |
Largest medical carriers
Medical premium written for these employers.
Saginaw 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.
| Saginaw | Michigan | United States | |
|---|---|---|---|
| Employer plans | 24 | 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 | $68,488 | $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, 27 Saginaw employers reported $35M in premiums and $2.0M in broker pay for 12,157 participants; in 2024 it was $30M and $2.3M for 11,644 participants (premiums −16.4%, 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 Saginaw employers pay health insurance brokers?
24 Saginaw employers reported $2,300,094 in broker commissions and fees on their 2024 Form 5500 filings, 23 of them disclosing at least some compensation. Too few fully insured medical plans in Saginaw 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 Saginaw employer that disclosed broker pay reported $68,488.
Which Saginaw employers have the largest health plans?
By insurance premium reported for 2024, Morley Companies, Inc. ($12M), Great Lakes Bay Health Centers ($7.1M), Spicer Group, Inc. ($2.8M) lead. 24 Saginaw employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Saginaw?
By compensation reported by Saginaw employers, the largest brokers are Brian T Cote ($270,425, 1 plans), Advanced Benefit Solutions Inc ($232,437, 2 plans), Blue Cross Blue Shield of Michigan ($187,366, 1 plans). By medical premium, the largest carriers are Blue Cross Blue Shield of Michigan, Blue Care Network of Michigan, Blue Cross Blue Shield of South Carolina.
Are Saginaw employer health plans self-funded or fully insured?
Of 24 Saginaw employer plans, 9 are fully insured, 9 are self-funded and 6 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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