Lima, Ohio employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
17 employers in Lima, Ohio filed health plans with 100 or more participants for plan year 2024, covering 9,690 participants. They reported $5.5M in insurance premiums and $1.0M in broker commissions and fees. Against 2023, premiums were up 15.3% and broker pay fell 28.5%.
Funding: 7 fully insured · 9 self-funded · 1 mixed. 10 of 17 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Lima
Lima employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| West Central Ohio Group LTD | $2,885,348 | $57,862 | 123 | Huston Financial Services Inc |
| University of Northwestern Ohio | $2,002,657 | $82,751 | 334 | Hylant |
| Superior Metal Products, Inc. dba American Trim | $307,194 | $19,969 | 559 | Horan Associates |
| HCF Management, Inc. | $158,768 | $151,925 | 1,303 | HUB International |
| Perry Protech, Inc. | $133,430 | $30,288 | 193 | Hylant |
| Family Resource Center of Northwest Ohio, Inc. | $46,087 | $16,204 | 161 | USI Insurance Services |
| Cora Health Services, Inc. | $0 | $79,433 | 1,607 | Gallagher |
| Lima Memorial Health System | $0 | $103,186 | 1,509 | Gallagher |
| Lima Refining Company | $0 | $72,513 | 1,435 | Ips Advisors a Division of Hub |
| Lima Memorial Joint Operating Company dba Lima Memorial Health System | $0 | — | 1,028 | — |
| Rudolph Foods Company Inc. | $0 | $152,490 | 663 | The Hatcher Agency |
| Speedy Management | $0 | $74,030 | 178 | OneDigital |
| Orthopaedic Institute of Ohio, Inc | $0 | $88,753 | 130 | Huston Financial SVCS Agy |
| Psa 3 Agency on Aging, Inc. | $0 | $44,933 | 130 | Opoc Insurance Services, LLC |
| Wannemacher Enterprises Inc | $0 | $23,659 | 121 | First Insurance Group of the Midwes |
| All-Temp Refrigeration, Inc. | $0 | $19,392 | 108 | Phelan Insurance Agency, Inc. |
| Ahl Family Holdings, Inc. | $0 | $10,271 | 108 | First Ins Group of the Midwest |
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 Lima employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Gallagher | $155,787 | 2 |
| HUB International | $151,925 | 1 |
| Hylant | $105,021 | 2 |
| The Hatcher Agency | $92,459 | 1 |
| Ips Advisors a Division of Hub | $72,513 | 1 |
| Huston Financial Services Agency | $66,710 | 2 |
| Huston Financial SVCS Agy | $61,154 | 1 |
| OneDigital | $56,774 | 1 |
| Acrisure | $49,974 | 1 |
| Opoc Insurance Services LLC | $44,707 | 1 |
Largest medical carriers
Medical premium written for these employers.
Lima 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.
| Lima | Ohio | United States | |
|---|---|---|---|
| Employer plans | 17 | 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 | $65,188 | $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, 17 Lima employers reported $4.8M in premiums and $1.4M in broker pay for 10,272 participants; in 2024 it was $5.5M and $1.0M for 9,690 participants (premiums +15.3%, broker pay −28.5%).
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 Lima employers pay health insurance brokers?
17 Lima employers reported $1,027,659 in broker commissions and fees on their 2024 Form 5500 filings, 16 of them disclosing at least some compensation. Too few fully insured medical plans in Lima 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 Lima employer that disclosed broker pay reported $65,188.
Which Lima employers have the largest health plans?
By insurance premium reported for 2024, West Central Ohio Group LTD ($2.9M), University of Northwestern Ohio ($2.0M), Superior Metal Products, Inc. dba American Trim ($307,194) lead. 17 Lima employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Lima?
By compensation reported by Lima employers, the largest brokers are Gallagher ($155,787, 2 plans), HUB International ($151,925, 1 plans), Hylant ($105,021, 2 plans). By medical premium, the largest carriers are Medical Mutual, Blue Cross and Blue Shield of Alabama, Aflac.
Are Lima employer health plans self-funded or fully insured?
Of 17 Lima employer plans, 7 are fully insured, 9 are self-funded and 1 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
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