Independence, Ohio employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
22 employers in Independence, Ohio filed health plans with 100 or more participants for plan year 2024, covering 10,344 participants. They reported $1.4M in insurance premiums and $1.7M in broker commissions and fees. Against 2023, premiums were down 67.7% and broker pay fell 0.9%.
Funding: 3 fully insured · 6 self-funded · 13 mixed. 19 of 22 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Independence
Independence employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Roe Dental Laboratory, Inc | $1,090,820 | $57,425 | 171 | Gallagher |
| Mediquant-Pro LLC | $132,788 | $77,103 | 174 | Aon |
| Rose Companies | $131,405 | $68,346 | 414 | James B. Oswald Company |
| Sterling Infosystems, Inc. | $65,792 | $21,789 | 854 | Marsh McLennan Agency |
| Covia Holdings LLC | $0 | $284,276 | 1,451 | Aon |
| Alliance Solutions Group dba Talentlaunch | $0 | $34,626 | 1,183 | Plancorp Vantage Benefit Advisors L |
| Life Line Screening | $0 | $78,822 | 778 | Gallagher |
| Auto Services Unlimited, LLC | $0 | $50,777 | 678 | The Fedeli Group LLC |
| Arc Health Sub Holdings, LLC | $0 | $246,474 | 675 | Gallagher |
| Accurate Title Group, LLC | $0 | $97,562 | 629 | James B Oswald Company |
| Redwood Living, Inc. | $0 | $212,340 | 595 | The James B Oswald Company |
| Weltman, Weinberg & Reis Co, Lpa | $0 | $23,091 | 414 | James B. Oswald Company |
| Nations Lending Corporation | $0 | $91,718 | 388 | Gallagher |
| Keyfactor, Inc. | $0 | $34,467 | 262 | Gallagher |
| The Millcraft Paper Company, Inc. | $0 | $105,088 | 262 | The Fedeli Group Inc |
| Kurtz Bros, Inc. | $0 | $44,211 | 259 | Marsh McLennan Agency |
| Polymer Additives, Inc | $0 | $30,349 | 257 | Hylant |
| C & K Industrial Services, Inc. | $0 | $79,286 | 210 | McGohan Brabender, Inc. |
| Snider-Blake Business Services, Inc | $0 | — | 192 | — |
| Chronic Care Management Inc dba Cosan Group | $0 | $65,914 | 185 | Lockton |
| PFG Ventures | $0 | $28,269 | 157 | Centro Benefits Research, LLC |
| Sheet Metal, Air, Rail and Transportation Union (SMART) | $0 | — | 156 | — |
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 Independence employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Gallagher | $481,156 | 5 |
| James B. Oswald Company | $371,164 | 5 |
| Aon | $361,149 | 3 |
| The Fedeli Group | $155,865 | 2 |
| McGohan Brabender, Inc. | $72,868 | 1 |
| Marsh McLennan Agency | $72,517 | 3 |
| Lockton | $63,448 | 1 |
| Centro Benefits Research LLC | $55,433 | 3 |
| Plancorp Vantage Benefit Advisors | $25,178 | 1 |
| James R Nelligan & Associates LLC | $22,549 | 1 |
Largest medical carriers
Medical premium written for these employers.
Independence 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.
| Independence | Ohio | United States | |
|---|---|---|---|
| Employer plans | 22 | 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 | $67,130 | $56,081 | $72,628 |
| Medical premium per covered person | n/a | $11,620 | $7,274 |
| Plans reporting no commission | 0 | 17 | 933 |
Year over year. In plan year 2023, 23 Independence employers reported $4.4M in premiums and $1.7M in broker pay for 11,367 participants; in 2024 it was $1.4M and $1.7M for 10,344 participants (premiums −67.7%, broker pay −0.9%).
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 Independence employers pay health insurance brokers?
22 Independence employers reported $1,731,933 in broker commissions and fees on their 2024 Form 5500 filings, 20 of them disclosing at least some compensation. Too few fully insured medical plans in Independence 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 Independence employer that disclosed broker pay reported $67,130.
Which Independence employers have the largest health plans?
By insurance premium reported for 2024, Roe Dental Laboratory, Inc ($1.1M), Mediquant-Pro LLC ($132,788), Rose Companies ($131,405) lead. 22 Independence employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Independence?
By compensation reported by Independence employers, the largest brokers are Gallagher ($481,156, 5 plans), James B. Oswald Company ($371,164, 5 plans), Aon ($361,149, 3 plans). By medical premium, the largest carriers are Medical Mutual, Aetna Life Insurance Company, HMSA Blue Cross Blue Shield of Hawaii.
Are Independence employer health plans self-funded or fully insured?
Of 22 Independence employer plans, 3 are fully insured, 6 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 Ohio
Is your company on this page? Get its Form 5500 read next to the Independence, 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.