Miamisburg, Ohio employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
23 employers in Miamisburg, Ohio filed health plans with 100 or more participants for plan year 2024, covering 6,705 participants. They reported $377,092 in insurance premiums and $1.3M in broker commissions and fees. Against 2023, premiums were down 42.9% and broker pay rose 30.8%.
Funding: 7 fully insured · 13 self-funded · 3 mixed. 16 of 23 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Miamisburg
Miamisburg employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| LJB Inc. | $135,460 | $31,657 | 188 | Phelan Insurance Agency Inc |
| Huffy Corporation | $109,142 | $16,949 | 138 | McGohan Brabender, Inc. |
| Emergency Medicine Specialists, Inc. | $58,351 | $86,989 | 108 | McGohan Brabender, Inc. |
| Hahn Automation Group US, Inc. | $57,650 | $66,614 | 136 | McGohan Brabender, Inc. |
| Fred J. Miller, Inc. | $16,489 | $21,828 | 131 | McGohan Brabender, Inc. |
| Billerud Americas Corporation | $0 | $217,314 | 1,426 | USI Insurance Services |
| Danis Building Construction Company | $0 | $124,158 | 723 | McGohan Brabender Agency Inc |
| Dayton Superior Corporation | $0 | $38,196 | 588 | McGohan/Brabender Agency Inc |
| Innomark Communications, LLC | $0 | $83,367 | 391 | Corporate Plans, LLC |
| The Connor Group, a Real Estate Investment Firm, LLC | $0 | $5,310 | 385 | Horan Associates Inc. |
| Evenflo Company, Inc. | $0 | $43,558 | 376 | USI Insurance Services |
| Leadwise, Inc. | $0 | $63,060 | 347 | McGohan Brabender, Inc. |
| Capital Health Services, Inc. | $0 | $85,808 | 255 | Bill Demoray |
| Ulliman Schutte Construction, LLC | $0 | $63,969 | 201 | AssuredPartners |
| Beontag | $0 | $38,906 | 195 | USI Insurance Services |
| O'neil & Associates, Inc. | $0 | $19,895 | 187 | Barrett Benefits Group, Inc. |
| United Grinding North America, Inc. | $0 | $19,174 | 170 | Corporate Plans, LLC |
| Shawntech Communications, Inc. | $0 | $15,708 | 157 | McGohan Brabender, Inc. |
| Change Up, LLC | $0 | $61,641 | 152 | McGohan Brabender, Inc. |
| Aim Media Midwest, LLC | $0 | $67,225 | 147 | Cobbs Allen |
| Fricker's USA, LLC | $0 | $47,726 | 104 | Huntington Insurance, Inc. |
| Caesar Creek Software | $0 | $48,836 | 100 | McGohan Brabender Agcy, Inc. |
| Brixey & Meyer, Inc. | $0 | $39,408 | 100 | McGohan Brabender Agency Ins |
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 Miamisburg employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| McGohan Brabender, Inc. | $469,321 | 10 |
| USI Insurance Services | $300,637 | 4 |
| Corporate Plans LLC | $83,522 | 2 |
| Cobbs Allen | $64,321 | 1 |
| AssuredPartners | $63,969 | 1 |
| Bill Demoray | $58,802 | 1 |
| McGohan Brabender Agcy Ins | $48,090 | 1 |
| Huntington Insurance Inc | $47,726 | 1 |
| Phelan Insurance Agency Inc | $31,657 | 1 |
| Worksite Benefits Group, Inc. | $30,201 | 1 |
Largest medical carriers
Medical premium written for these employers.
Miamisburg 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.
| Miamisburg | Ohio | United States | |
|---|---|---|---|
| Employer plans | 23 | 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 | $47,726 | $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, 22 Miamisburg employers reported $660,184 in premiums and $999,714 in broker pay for 6,313 participants; in 2024 it was $377,092 and $1.3M for 6,705 participants (premiums −42.9%, broker pay +30.8%).
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 Miamisburg employers pay health insurance brokers?
23 Miamisburg employers reported $1,307,296 in broker commissions and fees on their 2024 Form 5500 filings, 23 of them disclosing at least some compensation. Too few fully insured medical plans in Miamisburg 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 Miamisburg employer that disclosed broker pay reported $47,726.
Which Miamisburg employers have the largest health plans?
By insurance premium reported for 2024, LJB Inc. ($135,460), Huffy Corporation ($109,142), Emergency Medicine Specialists, Inc. ($58,351) lead. 23 Miamisburg employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Miamisburg?
By compensation reported by Miamisburg employers, the largest brokers are McGohan Brabender, Inc. ($469,321, 10 plans), USI Insurance Services ($300,637, 4 plans), Corporate Plans LLC ($83,522, 2 plans). By medical premium, the largest carriers are Unitedhealthcare Insurance Company, Community Insurance Company, Life Insurance Company of North America.
Are Miamisburg employer health plans self-funded or fully insured?
Of 23 Miamisburg employer plans, 7 are fully insured, 13 are self-funded and 3 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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