Warren, Michigan employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
38 employers in Warren, Michigan filed health plans with 100 or more participants for plan year 2024, covering 24,259 participants. They reported $20M in insurance premiums and $3.8M in broker commissions and fees. Against 2023, premiums were down 17.7% and broker pay rose 48.4%.
Funding: 21 fully insured · 7 self-funded · 10 mixed. 17 of 38 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Warren
Warren employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| The Paslin Company | $6,791,720 | $248,961 | 441 | Marsh McLennan Agency |
| Lakeshore Legal Aid | $2,686,936 | $123,246 | 202 | Susan A. Mason |
| Csi Support & Development Services | $1,962,525 | $168,896 | 263 | James R. Alton |
| Michigan Surgery Specialists, P.C. | $1,635,910 | $73,808 | 194 | William a Ley |
| Galeana's Van Dyke Dodge | $1,525,427 | $121,170 | 372 | Rebecca a McLaughlan |
| H & P Technologies, Inc. | $1,392,140 | $75,364 | 154 | Krystn Clark |
| Warren Screw Products | $1,260,387 | $42,357 | 190 | Jonathan M Pope |
| Prestige Stamping, Inc. | $1,100,919 | $60,567 | 133 | Scott Settle |
| L.V. Management, Inc. | $762,837 | $67,602 | 110 | Michael P. Pannuto |
| Avancez, LLC | $320,879 | $234,297 | 1,786 | Lockton |
| Futuramic Tool & Engineering Co. | $150,552 | $92,198 | 170 | Cameron M Kennedy |
| Sonus Engineered Solutions, LLC | $84,516 | $76,552 | 116 | Benjamin A. Goff |
| Wico Metal Products Company | $76,963 | $68,358 | 397 | Kapnick & Co Inc. |
| Central Transport LLC | $0 | $536,449 | 4,883 | Totalis Consumer Benefit Solutions |
| Lipari Foods Operating Company, LLC | $0 | $212,549 | 2,191 | Houchens Insurance Group, Inc |
| Parsec, LLC | $0 | $146,962 | 1,838 | USI Insurance Services |
| Cold Heading Co | $0 | $16,350 | 1,776 | Brown & Brown |
| Logistics Insight Corp | $0 | $138,285 | 1,711 | Totalis Consumer Benefit Solutions |
| Logistics Insight Corp | $0 | $8,680 | 1,426 | Totalis Consumer Benefit Solutions |
| Gardner White Furniture Co., Inc | $0 | $429,651 | 909 | Christopher Ervasti |
| Universal Intermodal Services Inc | $0 | $49,965 | 633 | Totalis Consumer Benefit Solutions |
| Universal Dedicated of Detroit LLC | $0 | $2,432 | 470 | Totalis Consumer Benefit Solutions |
| Central Transport of Ohio Employee Benefit Plan | $0 | $66,422 | 424 | Totalis Consumer Benefit Solutions |
| Universal Dedicated of Smyrna LLC | $0 | $49,434 | 372 | Totalis Consumer Benefit Solutions |
| Conlan Tire Co, LLC | $0 | $34,550 | 361 | Forester Benefits Management 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 Warren employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Totalis Consumer Benefit Solutions | $739,160 | 14 |
| Lockton | $241,467 | 2 |
| Christopher Ervasti | $212,459 | 1 |
| Houchens Insurance Group, Inc. | $201,483 | 1 |
| Forester Benefits Management LLC | $183,548 | 14 |
| USI Insurance Services | $163,909 | 2 |
| Gallagher | $129,369 | 1 |
| William a Ley | $120,083 | 2 |
| Rebecca a McLaughlan | $119,553 | 2 |
| Marsh McLennan Agency | $117,736 | 2 |
Largest medical carriers
Medical premium written for these employers.
Warren 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.
| Warren | Michigan | United States | |
|---|---|---|---|
| Employer plans | 38 | 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 | $67,980 | $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, 39 Warren employers reported $24M in premiums and $2.5M in broker pay for 21,908 participants; in 2024 it was $20M and $3.8M for 24,259 participants (premiums −17.7%, broker pay +48.4%).
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 Warren employers pay health insurance brokers?
38 Warren employers reported $3,757,922 in broker commissions and fees on their 2024 Form 5500 filings, 38 of them disclosing at least some compensation. Too few fully insured medical plans in Warren 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 Warren employer that disclosed broker pay reported $67,980.
Which Warren employers have the largest health plans?
By insurance premium reported for 2024, The Paslin Company ($6.8M), Lakeshore Legal Aid ($2.7M), Csi Support & Development Services ($2.0M) lead. 25 Warren employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Warren?
By compensation reported by Warren employers, the largest brokers are Totalis Consumer Benefit Solutions ($739,160, 14 plans), Lockton ($241,467, 2 plans), Christopher Ervasti ($212,459, 1 plans). By medical premium, the largest carriers are Blue Cross Blue Shield of Michigan, Blue Care Network of Michigan, Priority Health.
Are Warren employer health plans self-funded or fully insured?
Of 38 Warren employer plans, 21 are fully insured, 7 are self-funded and 10 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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