Sterling Heights, Michigan employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
28 employers in Sterling Heights, Michigan filed health plans with 100 or more participants for plan year 2024, covering 18,398 participants. They reported $43M in insurance premiums and $2.6M in broker commissions and fees. The median broker rate on commission-paying, fully insured medical plans was 2.8% of premium, against 3.2% across Michigan and 3.8% nationally. Against 2023, premiums were up 44.6% and broker pay rose 18.2%.
Funding: 11 fully insured · 4 self-funded · 13 mixed. 17 of 28 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Sterling Heights
Sterling Heights employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Kuka US Holdings Company LLC | $7,766,453 | $177,338 | 2,978 | Mercer |
| Conti Service LLC | $6,057,164 | $233,032 | 728 | Kevin a Hamming |
| The Macomb Group Inc | $5,843,081 | $290,410 | 550 | Mark Vandenbranden |
| A.G. Simpson (USA) Inc | $3,718,321 | $87,349 | 388 | Gallagher |
| Experi-Metal Inc. | $2,951,452 | $57,552 | 485 | Brown & Brown |
| E&R Industrial Sales, Inc | $2,426,188 | $128,465 | 145 | Alliant Insurance Services |
| Eventlink, LLC | $1,981,913 | $74,831 | 190 | Marsh McLennan Agency |
| Universal Tool Equipment and Controls, Inc. | $1,969,098 | $73,717 | 113 | Rebecca a McLaughlan |
| Hti Cybernetics Inc. | $1,871,390 | $79,355 | 137 | Joseph J. Haney |
| Mayco International | $1,795,936 | $231,792 | 1,908 | Amanda LYNN Ford |
| Christian Financial Credit Union | $1,456,033 | $89,810 | 161 | Michael Dilorenzo |
| Mortgage 1, Inc. | $1,360,189 | $64,852 | 223 | Theodore Souphis |
| Antares CCR Acquisition, LLC. | $1,319,619 | $82,032 | 128 | Douglas H Roehm |
| Serve Electric LLC | $1,055,221 | $48,488 | 162 | Anja Harmon |
| Global Engineering Resources, LLC | $869,948 | $58,215 | 154 | Marc J. Lasceski |
| Mag Automotive LLC | $210,891 | $113,342 | 228 | Marsh McLennan Agency |
| Ultimate Hydroforming, Inc | $102,598 | $121,261 | 163 | Brsi Employee Benefit Solutions |
| United Machining, Inc. | $60,551 | $70,747 | 103 | Kapnick & Company, Inc. |
| Trustees of the National Employees Health Plan | $0 | — | 4,957 | — |
| Innovative Xcessories & Services, LLC | $0 | $127,190 | 1,982 | Lawley |
| Acument Global Technologies, Inc. | $0 | $74,880 | 1,119 | Hylant |
| Vayan Group LLC | $0 | $54,985 | 533 | Marsh McLennan Agency |
| J.G. Kern Enterprises Inc | $0 | $59,682 | 172 | HUB International |
| Des-Claw, LLC | $0 | $67,933 | 155 | Cambridge Consulting Group, LLC |
| Shuert Technology, LLC | $0 | $10,435 | 155 | USI Insurance Services |
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 Sterling Heights employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Brsi Employee Benefit Solutions LLC | $203,728 | 2 |
| Marsh McLennan Agency | $196,297 | 5 |
| Mercer | $177,189 | 1 |
| Mark Vandenbranden | $154,336 | 1 |
| Amanda LYNN Ford | $141,576 | 1 |
| Kevin a Hamming | $140,200 | 1 |
| Alliant Insurance Services | $128,465 | 1 |
| Lawley | $127,190 | 1 |
| Acrisure | $126,229 | 2 |
| HUB International | $112,140 | 3 |
Largest medical carriers
Medical premium written for these employers.
Sterling Heights 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.
| Sterling Heights | Michigan | United States | |
|---|---|---|---|
| Employer plans | 28 | 2,113 | 58,547 |
| Median commission rate | 2.8% (11 plans) | 3.2% | 3.8% |
| Middle half of rates | 2.5% – 3.9% | 3.0% – 4.5% | 2.7% – 5.0% |
| Median broker pay per employer | $74,831 | $68,927 | $72,628 |
| Medical premium per covered person | $6,234 | $5,845 | $7,274 |
| Plans reporting no commission | 0 | 47 | 933 |
Year over year. In plan year 2023, 24 Sterling Heights employers reported $30M in premiums and $2.2M in broker pay for 11,983 participants; in 2024 it was $43M and $2.6M for 18,398 participants (premiums +44.6%, broker pay +18.2%).
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 Sterling Heights employers pay health insurance brokers?
28 Sterling Heights employers reported $2,608,377 in broker commissions and fees on their 2024 Form 5500 filings, 27 of them disclosing at least some compensation. Among 11 commission-paying, fully insured medical plans, the median broker rate was 2.8% of premium, 0.4 points below the Michigan median of 3.2% and 1.0 points below the U.S. median of 3.8%. In dollars, the median Sterling Heights employer that disclosed broker pay reported $74,831.
Which Sterling Heights employers have the largest health plans?
By insurance premium reported for 2024, Kuka US Holdings Company LLC ($7.8M), Conti Service LLC ($6.1M), The Macomb Group Inc ($5.8M) lead. 25 Sterling Heights employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Sterling Heights?
By compensation reported by Sterling Heights employers, the largest brokers are Brsi Employee Benefit Solutions LLC ($203,728, 2 plans), Marsh McLennan Agency ($196,297, 5 plans), Mercer ($177,189, 1 plans). By medical premium, the largest carriers are Blue Cross Blue Shield of Michigan, Blue Care Network of Michigan, Medical Mutual of Ohio.
Are Sterling Heights employer health plans self-funded or fully insured?
Of 28 Sterling Heights employer plans, 11 are fully insured, 4 are self-funded and 13 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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