What Mackinaw Administrators, LLC does

Mackinaw Administrators, LLC is a US-based Third-Party Administrator (TPA) specializing in insurance program development, claims administration, and risk management services for self-insured employers, insurance carriers, captive owners, and public entities. Founded in 1995 and headquartered in Brighton, Michigan, the firm operates as a division of AmeriTrust Group, Inc. under the AF Group holding company, and serves clients through four regional divisions (Great Lakes, Central, South, East) covering 10+ states. Core service lines include Workers' Compensation, Property & Casualty, Liquor Liability, Auto Liability, and General Liability claims administration, alongside self-insurance program development, excess insurance placement through affiliated A.M. Best A/A+ rated carriers, risk control consulting, medical cost containment, and jurisdiction-specific specialties such as Michigan No-Fault (PIP) and Health Insurance Coordination of Benefits. The customer base spans nine or more industry verticals including manufacturing, construction, forestry, education, healthcare, hospitality, municipalities, road commissions, and retailers.

Name

Mackinaw Administrators, LLC

Legal name

Mackinaw Administrators, LLC

Website

https://mackadmin.com

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

11–50 employees

Short description

Mackinaw Administrators is a US Third-Party Administrator providing claims administration, self-insurance program development, excess insurance placement, risk control, and medical cost containment for self-insured employers, insurance carriers, captive owners, and public entities across multiple US regions.

Ownership category

akta.pro rank

Product category

Insurance Third-Party Administration

NAICS

Other Insurance Funds (52519), Health and Welfare Funds (525120)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Self-Funded Employer Plan TPA (ASO Administration) (HLAEALAA)

akta.pro secondary industries

Stop-Loss & Reinsurance Administration (Captive/Level-Funded Support) (HLAEALAB), Captive Insurance Advisory & Management (FSAEADAF), Insurance Program Administration & MGA/MGU Services (FSAEADAK)

Keywords

• Third-party claims administration
• Workers compensation claims management
• Self-insurance program administration
• Risk control consulting
• Excess insurance placement

Headquarters

HQ city

Brighton

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Third-Party Administration Services: Claims administration for workers' compensation, property & casualty, liquor liability, and auto liability. Professional services including claim reviews, audits, and coordination of benefits. Services delivered through licensed adjusters and claims specialists with extensive industry experience.
2. Self-Insurance Program Development: Development and administration of self-insured programs for employers with $200,000 or more in annual premium and excellent loss history. Includes access to excess workers' compensation placement through affiliated carriers.
3. Excess Insurance Placement: Assistance with placing excess insurance through affiliated companies. Requires 10-year loss history, 5-year historical payroll by class code, projected payroll by class code, and listing of all locations with employee count.
4. Risk Control Consulting Services: Risk control services including safety program assessments, accident investigations, OSHA compliance consulting, onsite training, and web seminars. Delivered by certified specialists with average 28 years' experience.
5. Medical Cost Containment: Medical bill review, professional review, and PPO network access to assure maximum accuracy and savings on medical claims. Transparent fee structure with reported 65% savings and $32.73 return on investment per dollar spent.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels3 records

Core offering

Mackinaw Administrators is a Third-Party Administrator that develops and administers customized insurance and risk management programs for self-insured employers, group funds, insurance carriers, large deductible programs, captive owners, and public entities. Core services include claims administration (workers' compensation, property & casualty, liquor liability, auto liability), self-insurance program development with excess placement through affiliated A-rated carriers, certified risk control consulting (safety assessments, OSHA compliance, accident investigation, training), and medical cost containment (bill review, PPO networks, COB/subrogation), delivered through licensed adjusters and supported by a secure 24/7 web-based claims portal.

Product overview

Mackinaw Administrators is a Third-Party Administrator (TPA) offering a comprehensive, integrated suite of insurance and risk management solutions. The core platform consists of Claims Administration (Workers' Compensation, Property & Casualty, Liquor Liability, Auto Liability), supported by Self-Insurance Programs, Excess Insurance Placement, and Risk Control Consulting services. Additional specialized modules include Medical Cost Containment, General Liability Claims Management, Health Insurance Coordination of Benefits (COB), and Michigan No-Fault (PIP) Claims. All services are delivered through a secure, web-based Client Portal providing real-time claims data and 24/7 access. The company operates across four regional divisions (Great Lakes, Central, South, East) serving diverse industries including manufacturing, construction, forestry, education, municipalities, and healthcare.

Differentiator

Problem solved

Functional benefit

Products and services

• Claim Administration Comprehensive claims management services covering Workers' Compensation, Property & Casualty, Liquor Liability, and Auto Liability, with real-time tracking and 24/7 web-based access, delivered by licensed adjusters with an average of 15 years of Workers' Compensation experience and overseen by claims managers averaging 20 years.
• Self-Insurance Programs Development and administration of self-insured workers' compensation and liability programs for employers with $200,000 or more in annual premium and excellent loss history, including access to excess workers' compensation placement through affiliated A-rated carriers.
• Excess Insurance Placement Assistance placing excess insurance coverage through affiliated carriers with A.M. Best A or A+ ratings; requires 10-year loss history, 5-year historical payroll by class code, projected payroll by class code, and listing of all locations with employee counts.
• Risk Control Consulting Certified risk control specialists providing safety program reviews, worksite assessments, OSHA compliance consulting, return-to-work program development, industrial hygiene services, accident investigations, and safety training, with average 28 years of insurance-industry experience.
• Medical Cost Containment Medical bill review, professional review, and PPO network access with transparent fee structure, reporting 65% savings and a $32.73 return on investment per dollar spent on review.
• General Liability Claims Management Bodily injury and property damage claims management with expertise in state law including governmental immunity, comparative negligence, and the open and obvious doctrine.
• Health Insurance Coordination of Benefits (COB) Multi-line adjuster services investigating, coordinating, and subrogating claims involving ERISA, Medicare, and CMS to ensure health insurance carriers pay only what they owe.
• Michigan No-Fault (PIP) Claims Specialized Michigan Personal Injury Protection claims management with expertise in lifetime medical benefits, attendant care, replacement services, and survivor loss claims.
• Client Portal Secure, web-based claims management platform providing real-time claims data, 24/7 access via encrypted systems with password authentication, customized reporting capabilities, and paperless long-term document retention.

Quantifiable outcome

• 65% medical cost containment savings with $32.73 return on investment per dollar spent on review
• +3 more outcomes

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• AmeriTrust Group, Inc.coreOthersMackinaw Administrators, LLC is a division of AmeriTrust Group, Inc., a nationally recognized holding company whose affiliated insurance brands are premier providers of specialty insurance solutions. AF Group serves as the parent holding company.
• A.M. Best A or A+ Rated Insurance CarrierscoreOthersAffiliated carriers with A.M. Best rating of A or A+ are required for self-insured programs. Three major carriers available through affiliates for excess workers' compensation placement.
• Michigan Public Risk Management Association (MIPRIMA)minorOthersProfessional association membership for Michigan public risk management professionals.
• Detroit Risk and Insurance Management Society (Detroit RIMS)minorOthersProfessional association membership and community involvement including organizing community cleanup initiatives in metro Detroit.
• Michigan Restaurant and Lodging Association (MRLA)minorOthersIndustry association membership serving Michigan restaurants and lodging establishments.
• Bay State Independent Insurance Agents AssociationminorOthersProfessional association membership for independent insurance agents in Massachusetts.
• Massachusetts Association of Insurance Agents (MAIA)minorOthersState insurance agents association membership in Massachusetts.
• AlaMed Worker's Compensation Medical Care NetworkcoreOthersAccess to Alabama's largest PPO network, identifying savings beyond the fee schedule for South Region clients.
• Alabama Forestry AssociationminorOthersIndustry association membership for forestry industry in Alabama.
• Alabama Self-Insurers AssociationminorOthersAssociation membership for self-insured employers in Alabama.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Sedgwick: Sedgwick is the largest independent TPA in North America, offering claims administration, managed care, and risk services across workers' comp, liability, and disability lines. It directly competes with Mackinaw for self-insured employer and large-deductible program clients.
• Gallagher Bassett Services: Gallagher Bassett is a top-tier global TPA providing claims management, loss control, and medical management for self-insured employers. Highly comparable to Mackinaw in service mix and target buyer, with significantly greater scale and geographic reach.
• CorVel Corporation: CorVel is a publicly traded national TPA and managed care company focused on workers' compensation, liability, and health claims administration with proprietary technology. It competes head-to-head with Mackinaw in workers' comp TPA and medical cost containment.
• Crawford & Company: Crawford & Company is a global claims management solutions provider with broad TPA, loss adjusting, and managed care capabilities. It serves the same self-insured employer and insurance carrier segments as Mackinaw, but with much larger international footprint.
• TRISTAR Insurance Group: TRISTAR is a specialty TPA providing workers' compensation, liability, and property claims administration with strong risk control and medical management offerings. It is directly comparable to Mackinaw in service mix and mid-market employer focus.
• Cannon Cochran Management Services (CCMSI): CCMSI is a national TPA administering workers' comp, auto, general liability, and property claims for self-insured employers and public entities. Closely matches Mackinaw's customer base of self-funded employers and municipalities.
• PMA Companies: PMA Companies provides third-party claims administration, managed care, and risk management consulting to insurers, self-insureds, and public entities. Highly comparable to Mackinaw across service lines and customer segments.

Broad incumbents

• Helmsman Management Services: Helmsman is Liberty Mutual's in-house TPA providing claims and managed care for self-insured employer programs. As a carrier-owned TPA, it competes with Mackinaw in self-funded plan administration but benefits from Liberty Mutual's scale.

Emerging players

• Pilot Catastrophe: Pilot Catastrophe is an independent claims management firm providing TPA, adjusting, and managed care services to insurers, MGAs, and self-insureds. It overlaps with Mackinaw in claims handling but with greater focus on catastrophe and complex claims.

Others

• AmeriTrust Group / AF Group: AF Group (AmeriTrust Group) is Mackinaw Administrators' parent holding company and a specialty insurance provider. While not a peer, it is a strategic adjacent because Mackinaw operates as one of its divisions and shares carrier, excess placement, and captive infrastructure.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/mackinaw-administrators-llc

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Mackinaw Administrators, LLC