Southfield, Michigan employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
78 employers in Southfield, Michigan filed health plans with 100 or more participants for plan year 2024, covering 79,714 participants. They reported $95M in insurance premiums and $10M in broker commissions and fees. The median broker rate on commission-paying, fully insured medical plans was 3.1% of premium, against 3.2% across Michigan and 3.8% nationally. Against 2023, premiums were up 21.2% and broker pay rose 1.9%.
Funding: 21 fully insured · 21 self-funded · 36 mixed. 57 of 78 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Southfield
Southfield employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Ciena Healthcare Management, Inc Health and Welfare Plan | $23,339,144 | $849,627 | 3,623 | Robert J Farris |
| Elringklinger Automotive Manufacturing, Inc. | $8,104,477 | $185,387 | 335 | HUB International |
| Infostretch Corporation dba Apexon | $4,556,672 | $237,603 | 842 | Cottingham & Butler Insurance |
| Real Estate One | $4,255,460 | $142,262 | 437 | AssuredPartners |
| Ga Business Purchaser, LLC | $3,389,487 | $181,064 | 289 | Dennis Tucker |
| Vesco Oil Corporation | $2,984,147 | $114,940 | 201 | Robert Weiland |
| Princeton Acquisition, LLC | $2,968,688 | $90,692 | 581 | NFP |
| Epitec, Inc. | $2,890,651 | $118,264 | 1,084 | Melissa Armatis |
| Bluerock Real Estate Holdings, LLC | $2,823,206 | $117,389 | 149 | Richard Ducharme |
| Society of Manufacturing Engineers | $2,637,770 | $122,894 | 208 | Kathleen C Wood |
| Michigan Orthopaedic Surgeons,pllc | $2,604,919 | $164,450 | 300 | AssuredPartners |
| Open Dealer Exchange, LLC | $2,499,337 | $136,023 | 202 | Rebecca a McLaughlan |
| Credit Acceptance Corporation | $2,466,795 | $162,266 | 2,209 | Lockton |
| Midwest Veterinary Partners, LLC | $2,140,382 | $460,390 | 6,051 | Lockton |
| Stefanini | $2,109,122 | $243,354 | 1,462 | Marsh McLennan Agency |
| The Mars Agency | $1,867,218 | $37,415 | 711 | Patricia Sullivan Forletta |
| FM Sylvan, Inc. | $1,735,549 | $90,459 | 115 | Norman E Lewis |
| Orchards Children's Services, Inc. | $1,661,302 | $95,171 | 324 | Krystn Clark |
| Brooks Kushman PC | $1,619,050 | $121,348 | 128 | Dean E. Austin |
| Mike Morse Law Firm PLLC | $1,612,986 | $74,164 | 202 | Paul M. Snider |
| Area Agency on Aging 1-B dba Ageways Nonprofit Senior Services | $1,574,962 | $82,490 | 139 | Rebecca a McLaughlan |
| The Forbes Company, LLC | $1,494,953 | $65,685 | 216 | Katherine Henry |
| Surgeons Choice Medical Center | $1,296,777 | $98,378 | 118 | William A. Ley |
| Quantam Solutions LLC | $1,234,376 | $67,812 | 269 | Guido Tatangelo |
| Great Lakes Hotel Supply Company | $1,152,308 | $50,396 | 131 | Eugene F Lovasco |
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 Southfield employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Marsh McLennan Agency | $1,564,969 | 13 |
| Lockton | $828,293 | 7 |
| Willis Towers Watson | $784,580 | 6 |
| Alliant Insurance Services | $584,023 | 1 |
| NFP | $504,342 | 8 |
| HUB International | $316,785 | 3 |
| Gallagher | $314,279 | 7 |
| Cetera Advisor Networks LLC | $285,450 | 2 |
| Robert J. Farris | $284,908 | 1 |
| Rebecca a McLaughlan | $215,557 | 5 |
Largest medical carriers
Medical premium written for these employers.
Southfield 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.
| Southfield | Michigan | United States | |
|---|---|---|---|
| Employer plans | 78 | 2,113 | 58,547 |
| Median commission rate | 3.1% (24 plans) | 3.2% | 3.8% |
| Middle half of rates | 3.0% – 3.5% | 3.0% – 4.5% | 2.7% – 5.0% |
| Median broker pay per employer | $101,614 | $68,927 | $72,628 |
| Medical premium per covered person | $5,394 | $5,845 | $7,274 |
| Plans reporting no commission | 1 | 47 | 933 |
Year over year. In plan year 2023, 79 Southfield employers reported $78M in premiums and $10M in broker pay for 97,678 participants; in 2024 it was $95M and $10M for 79,714 participants (premiums +21.2%, broker pay +1.9%).
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 Southfield employers pay health insurance brokers?
78 Southfield employers reported $10,430,164 in broker commissions and fees on their 2024 Form 5500 filings, 72 of them disclosing at least some compensation. Among 24 commission-paying, fully insured medical plans, the median broker rate was 3.1% of premium, 0.1 points below the Michigan median of 3.2% and 0.6 points below the U.S. median of 3.8%. In dollars, the median Southfield employer that disclosed broker pay reported $101,614.
Which Southfield employers have the largest health plans?
By insurance premium reported for 2024, Ciena Healthcare Management, Inc Health and Welfare Plan ($23M), Elringklinger Automotive Manufacturing, Inc. ($8.1M), Infostretch Corporation dba Apexon ($4.6M) lead. 25 Southfield employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Southfield?
By compensation reported by Southfield employers, the largest brokers are Marsh McLennan Agency ($1.6M, 13 plans), Lockton ($828,293, 7 plans), Willis Towers Watson ($784,580, 6 plans). By medical premium, the largest carriers are Blue Cross Blue Shield of Michigan, Blue Care Network of Michigan, Priority Health.
Are Southfield employer health plans self-funded or fully insured?
Of 78 Southfield employer plans, 21 are fully insured, 21 are self-funded and 36 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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