Dayton, Ohio employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
80 employers in Dayton, Ohio filed health plans with 100 or more participants for plan year 2024, covering 113,358 participants. They reported $37M in insurance premiums and $9.2M in broker commissions and fees. Against 2023, premiums were down 8.0% and broker pay rose 30.6%.
Funding: 19 fully insured · 39 self-funded · 22 mixed. 61 of 80 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Dayton
Dayton employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Norwood Medical LLC | $14,532,272 | — | 1,039 | — |
| Caresource Management Services LLC | $3,005,255 | $169,680 | 4,629 | Mercer |
| Aps Materials, Inc. | $2,287,601 | $76,086 | 178 | HUB International |
| F&G Tool & Die Company | $2,286,608 | $100,359 | 111 | Marsh McLennan Agency |
| Dayton Children's Hospital | $2,222,205 | $126,433 | 4,221 | Marsh McLennan Agency |
| Aida-America Corporation | $2,057,472 | $99,088 | 147 | McGohan Brabender, Inc. |
| University of Dayton | $1,971,229 | $351,503 | 3,567 | McGohan Brabender |
| Eastway Corporation | $1,476,448 | $75,366 | 235 | McGohan Brabender, Inc. |
| Premier Health | $1,109,472 | $2,881,569 | 10,477 | Eoi Service Company Inc |
| Ohio's Hospice, Inc. | $683,093 | $238,436 | 1,080 | McGohan Brabender, Inc. |
| Dmax, LTD., LLC | $582,160 | $147,974 | 713 | McGohan Brabender, Inc. |
| Winsupply Inc. | $570,834 | $694,465 | 5,563 | USI Insurance Services |
| Gosiger, Inc. | $377,715 | $70,497 | 603 | McGohan Brabender |
| Plumbers & Pipefitters Local 162 Health & Insurance Fund | $342,688 | $37,205 | 715 | Umr |
| Setzer Corporation | $319,165 | $88,804 | 361 | McGohan Brabender, Inc. |
| Vinebrook Homes, LLC | $317,511 | $217,350 | 533 | McGohan/Brabender Agency, Inc. |
| Compunet Clinical Laboratories | $288,170 | $5,815 | 433 | USI Insurance Services |
| CSH Group, Inc. | $286,111 | $27,710 | 424 | Marsh McLennan Agency |
| Mechanical Services & Design Inc | $250,767 | $139,803 | 213 | McGohan Brabender |
| Bwi North America, Inc. | $240,739 | $52,348 | 391 | McGohan Brabender, Inc. |
| White Family Company, Inc. | $208,172 | $29,773 | 847 | McGohan Brabender, Inc. |
| Heapy Engineering Inc. | $193,774 | $13,906 | 196 | McGohan Brabender, Inc. |
| Dayton-Phoenix Group, Inc. | $172,465 | $45,185 | 302 | McGohan Brabender, Inc. |
| Woolpert, Inc. | $164,287 | $132,280 | 1,480 | Aon |
| Dayton Physicians, LLC | $159,188 | $119,013 | 272 | Marsh McLennan Agency |
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 Dayton employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| McGohan Brabender, Inc. | $2,622,059 | 43 |
| USI Insurance Services | $1,678,806 | 11 |
| Eoi Service Company, Inc. | $1,395,893 | 1 |
| Marsh McLennan Agency | $618,446 | 12 |
| Gallagher | $522,073 | 1 |
| Meritain Health | $191,420 | 2 |
| Mercer | $169,826 | 2 |
| Lang Financial Group Inc | $128,933 | 1 |
| McGohan Brabener Agency, Inc. | $123,450 | 1 |
| Aon | $120,679 | 2 |
Largest medical carriers
Medical premium written for these employers.
Dayton against Ohio 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.
| Dayton | Ohio | United States | |
|---|---|---|---|
| Employer plans | 80 | 2,404 | 58,547 |
| Median commission rate | n/a | 3.5% | 3.8% |
| Middle half of rates | n/a | 2.5% – 4.7% | 2.7% – 5.0% |
| Median broker pay per employer | $55,826 | $56,081 | $72,628 |
| Medical premium per covered person | n/a | $11,620 | $7,274 |
| Plans reporting no commission | 1 | 17 | 933 |
Year over year. In plan year 2023, 84 Dayton employers reported $41M in premiums and $7.0M in broker pay for 110,382 participants; in 2024 it was $37M and $9.2M for 113,358 participants (premiums −8.0%, broker pay +30.6%).
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 Dayton employers pay health insurance brokers?
80 Dayton employers reported $9,179,950 in broker commissions and fees on their 2024 Form 5500 filings, 78 of them disclosing at least some compensation. Too few fully insured medical plans in Dayton reported premium to compute a stable commission rate; the Ohio median is 3.5% and the U.S. median is 3.8%. In dollars, the median Dayton employer that disclosed broker pay reported $55,826.
Which Dayton employers have the largest health plans?
By insurance premium reported for 2024, Norwood Medical LLC ($15M), Caresource Management Services LLC ($3.0M), Aps Materials, Inc. ($2.3M) lead. 25 Dayton employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Dayton?
By compensation reported by Dayton employers, the largest brokers are McGohan Brabender, Inc. ($2.6M, 43 plans), USI Insurance Services ($1.7M, 11 plans), Eoi Service Company, Inc. ($1.4M, 1 plans). By medical premium, the largest carriers are Medical Mutual, Medical Mutual of Ohio, Unitedhealthcare Insurance Company.
Are Dayton employer health plans self-funded or fully insured?
Of 80 Dayton employer plans, 19 are fully insured, 39 are self-funded and 22 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 Ohio
Is your company on this page? Get its Form 5500 read next to the Dayton, Ohio medians.
Tell us the company and a specialist writes up what the public Form 5500 record shows for it, if it files one: broker pay against the medians above, fee disclosure and filing timeliness, in a form you can forward to your CFO or counsel. Tick the box if you also want a 15-minute walkthrough call.
We don't sell your email. By submitting, you agree that BenefitsLedger and its benefits advisory partner, WellthCare, may email or call you about these findings. Opt out anytime by replying. See our privacy policy.