Toledo, Ohio employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
48 employers in Toledo, Ohio filed health plans with 100 or more participants for plan year 2024, covering 54,887 participants. They reported $38M in insurance premiums and $3.7M in broker commissions and fees. Against 2023, premiums were up 54.9% and broker pay rose 11.1%.
Funding: 6 fully insured · 29 self-funded · 13 mixed. 42 of 48 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Toledo
Toledo employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Mobis North America, LLC | $26,188,864 | $569,261 | 910 | Angela M. Dean |
| Hospital Service Associates, Inc. dba Aps Medical Billing | $2,852,759 | $98,864 | 333 | Hylant |
| Perstorp Polyols, Inc. | $2,472,725 | $13,779 | 131 | USI Insurance Services |
| Harbor, Inc. | $1,601,108 | $132,550 | 463 | USI Insurance Services |
| Owens Corning | $854,725 | $248,529 | 7,341 | Benefitstore Inc. |
| Decorative Panels International, Inc. | $833,780 | $63,179 | 280 | Hylant |
| Promedica Employment Services, LLC | $621,119 | $46,259 | 1,347 | BSC Agency LLC |
| Toledo Clinic, Inc. | $577,106 | $24,424 | 1,501 | Hutington Insurance Inc |
| Unison Behavioral Health Group, Inc. dba Unison Health | $502,726 | $20,605 | 225 | Hylant |
| Erie Construction Mid-West, LLC | $347,838 | $62,888 | 1,458 | Lockton |
| Zepf Center | $179,080 | $28,970 | 345 | Huntington Insurance, Inc. |
| Toledo Tool and Die Company, Inc. | $160,476 | $144,896 | 475 | Brown & Brown |
| Marcos Franchising LLC | $131,837 | $48,369 | 402 | Ds-Bsc LLC |
| Auto Systems Center, Inc. | $128,724 | $86,032 | 573 | Hylant |
| Promedica Health System, Inc. | $97,978 | $252,189 | 15,830 | BSC Agency LLC |
| Directions Credit Union | $97,383 | $116,022 | 283 | Hylant |
| Advocates for Basic Legal Equality, Inc. and Legal Aid of Western Ohio | $83,451 | $65,259 | 126 | Hylant |
| Promedica Coldwater Regional Hospital | $82,959 | $9,159 | 384 | BSC Agency LLC |
| Toledo Museum of Art | $72,896 | $68,348 | 222 | Hylant |
| United Collection Bureau, Inc. | $72,480 | $112,426 | 436 | Intergrity Benefit Partners, Inc |
| Shrader Tire and Oil, Inc. | $66,743 | $23,253 | 195 | Hylant |
| Pilkington North America, Inc. | $0 | $25,423 | 3,202 | National Medical Excess LLC |
| First Solar, Inc. | $0 | $127,463 | 2,846 | Mercer |
| Board of Trustees of Oh Conference Industry Health and Welfare Trust | $0 | $26,530 | 2,826 | James B Oswald Co |
| Kingston Healthcare Company, LLC | $0 | $59,213 | 1,889 | Hylant |
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 Toledo employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Hylant | $915,858 | 15 |
| Benefitstore Inc | $248,529 | 1 |
| Angela M. Dean | $240,395 | 1 |
| Angela Dean | $234,457 | 1 |
| USI Insurance Services | $205,050 | 4 |
| BSC Agency LLC | $166,671 | 3 |
| Lockton | $147,924 | 2 |
| Bene Re LLC | $137,535 | 3 |
| Brown & Brown | $133,925 | 3 |
| Mercer | $128,102 | 2 |
Largest medical carriers
Medical premium written for these employers.
Toledo 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.
| Toledo | Ohio | United States | |
|---|---|---|---|
| Employer plans | 48 | 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 | $60,379 | $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, 49 Toledo employers reported $25M in premiums and $3.3M in broker pay for 69,328 participants; in 2024 it was $38M and $3.7M for 54,887 participants (premiums +54.9%, broker pay +11.1%).
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 Toledo employers pay health insurance brokers?
48 Toledo employers reported $3,693,511 in broker commissions and fees on their 2024 Form 5500 filings, 44 of them disclosing at least some compensation. Too few fully insured medical plans in Toledo 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 Toledo employer that disclosed broker pay reported $60,379.
Which Toledo employers have the largest health plans?
By insurance premium reported for 2024, Mobis North America, LLC ($26M), Hospital Service Associates, Inc. dba Aps Medical Billing ($2.9M), Perstorp Polyols, Inc. ($2.5M) lead. 25 Toledo employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Toledo?
By compensation reported by Toledo employers, the largest brokers are Hylant ($915,858, 15 plans), Benefitstore Inc ($248,529, 1 plans), Angela M. Dean ($240,395, 1 plans). By medical premium, the largest carriers are Blue Cross Blue Shield of Michigan, Medical Mutual of Ohio, Medical Mutual.
Are Toledo employer health plans self-funded or fully insured?
Of 48 Toledo employer plans, 6 are fully insured, 29 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
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