ABOUT Toto Group, LLC

Ryan Toto

Founder, CEO

575 Milltown Road
North Brunswick, NJ 08902

(732) 253-8181

About Ryan Toto

Ryan is a graduate of Johnson & Wales University’s Hospitality College in Providence, RI. Throughout his career, he has held positions with Marriott, Enterprise Rent-A-Car, EMAR Group and Allstate. In August of 2008, Toto Group, LLC was established. Since then Ryan has continued to integrate insurance with hospitality, resulting in a truly unique customer focused experience.

Health Reform Calculators
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We have prepared two distinct tools to enable you to quickly assess whether you are eligible for a tax credit as a small employer under the ACA, and whether you have exposure to the penalties associated with the employer mandate.

Tax Calculator & Risk Assessment

Established in 2008, we aspired to one basic idea. Refocus risk into the most basic terms possible and incorporate what matters most; analysis, coverage and service. We continue to live and operate by these principals every day. In this dynamic economy, both business and personal aspirations deserve the best in risk guidance. Toto Group, LLC insurance made simple. Insurance Refocused.



My Benefit Advisor guides employers through the complexity of planning, communicating, and managing a successful employee benefits program.

Toto Group, LLC and My Benefit Advisor have partnered together to provide employers with an exceptional array of services including:

Advisory Team
An advisory team of talented professionals with wide-ranging areas of expertise.

Open Enrollment & Communication
A superior open enrollment experience for employees and new hires through innovative technology and resources.

Analysis, Strategy, & Design
In-Depth analysis, strategy and design of a long-term employee benefits solution.

Health Care Reform Consulting
Guidance on understanding the appropriate business strategy.

Proactive Management
Proactive benenfits management leveraging technology and a structured operational process.

Compliance Assistance
Compliance guidance to assist with complex benefit, reform, and legislative issues.

Learn More About MBA

More infomation about My Benefit Advisor can be found at mybenefitadvisor.com.

Click a topic below to view that specific section.


Use the form below to generate an interactive report on how we compare to your current solution. Check off the items you currently receive and click the compare button for a report summarizing the resources and services you could gain by working with us.

Advisory Team


Account Executive

Designated Account Manager

Implementation Specialist

Technology Specialist

On-staff Benefits Counsel

Ancillary and Worksite Specialist

Disability and TDB Specialist

Benefits Consulting

Health Care Reform

Complete Financial Analysis

Carrier and Plan Alternatives

Alternative Funding Strategies

Third Party Administrator Options

Multi-year Cost Containment

Employee Communication Strategy

Ancillary and Voluntary Benefits

Advice on Wellness Strategies

Enrollment Tools

On-Demand Benefits Video

Benefits Guidebook

Employee Hotline

Online Enrollment System

Benefits Management

HR Administration System

HR Advisory Resource

12 Month Service Calendar

Transaction Processing

Proactive Communication

Claims & Health Care Advocacy

Client Portal

Compliance Assistance

Guidance on Important Topics

Compliance Education Center

Self-Help Compliance Tools

COBRA Administration

5500 Document Preparation

Employee Programs


Online Training Courses


Contact Us



(732) 253-8181




575 Milltown Road
North Brunswick, NJ 08902