Employee benefit broker/consulting services

The City of Dearborn Heights has issued a Request for Proposal (RFP) for Employee Benefit Broker/Consulting Services, seeking an insurance brokerage firm to manage comprehensive health and welfare plans for approximately 240 active employees and 350 retirees. The selected broker will be responsible for managing self-insured medical and prescription drug plans, dental and vision plans, Medicare Advantage plans, and administrative services for COBRA, flexible spending accounts, and health savings accounts. Key requirements include being licensed in Michigan, having at least 10 municipal clients in the state, and demonstrating expertise in multi-year strategic planning, funding reviews, pharmacy initiatives, retiree healthcare, and ancillary services. The RFP requires the broker to provide advanced capabilities in analytics, reporting, compliance monitoring, and benefits administration, with a focus on transparent compensation and ongoing regulatory compliance support. Critical dates for this procurement include the RFP publication on Bidnet Direct on 8/12/2025, proposal questions due by 8/19/2025, and the proposal submission deadline set for 8/26/2025 at 2:00 P.M.

The RFP does not explicitly mention specific set-aside designations or restrictions for disadvantaged enterprises. The current benefits are primarily administered by Blue Cross Blue Shield of Michigan, with historical commission estimates of $25,000 for stop-loss and $30,600 for Medicare Advantage in 2019. The broker must be prepared to work within the framework of Public Act 152 and demonstrate capabilities for managing complex municipal benefits environments. While a specific budget range is not detailed, the comprehensive nature of the services and the size of the employee and retiree population suggest a significant engagement. The City will be seeking a broker with proven municipal experience in Michigan, strong analytical capabilities, and the ability to provide strategic guidance on health and welfare plan management.