West Chester, Ohio employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
28 employers in West Chester, Ohio filed health plans with 100 or more participants for plan year 2024, covering 22,778 participants. They reported $5.2M in insurance premiums and $1.8M in broker commissions and fees. Against 2023, premiums were down 12.7% and broker pay fell 6.1%.
Funding: 6 fully insured · 17 self-funded · 5 mixed. 22 of 28 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in West Chester
West Chester employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Sunesis Construction Company | $1,979,569 | $73,867 | 234 | AssuredPartners |
| Republic Wire Inc. | $1,563,163 | $51,587 | 141 | USI Insurance Services |
| Lithko Contracting, LLC | $1,110,148 | $87,419 | 4,920 | Marsh McLennan Agency |
| Integrity Express Logistics, LLC | $255,613 | $78,894 | 745 | Corporate Plans, LLC |
| Crane 1 Services, Inc. | $175,825 | $92,665 | 404 | Krauter & Company, LLC |
| Cleaning Technologies Group, LLC | $96,332 | $26,863 | 168 | Brown & Brown |
| Devco Holdings, Inc. | $9,232 | $5,687 | 1,412 | Marsh McLennan Agency |
| Cleveland-Cliffs Steel Corporation | $0 | $96,007 | 10,207 | Mercer |
| Crescent Park Corporation | $0 | $3,923 | 659 | USI Insurance Services |
| E-Technologies Group, LLC | $0 | $442,738 | 471 | Marsh McLennan Agency |
| Afc Industries, Inc. | $0 | $163,415 | 440 | Aon |
| Trew, LLC | $0 | $49,722 | 393 | HUB International |
| Pilot Chemical Company | $0 | $21,172 | 247 | HUB International |
| Kemba Cincinnati Credit Union, Inc. | $0 | $35,007 | 234 | Conerstone Brokers |
| Sentrilock, LLC | $0 | $74,885 | 213 | Corporate Plans, LLC |
| BGR, Inc. | $0 | $30,511 | 189 | McGohan Brabender, Inc. |
| National Railroad Safety Services, Inc. | $0 | $96,859 | 178 | Lang Financial Group Inc |
| Bobcat Enterprises, Inc. | $0 | $36,528 | 175 | USI Insurance Services |
| Ohio Eagle Distributing, LLC | $0 | $91,654 | 169 | McGohan Brabender |
| Guardian Savings Bank | $0 | $26,104 | 165 | HUB International |
| M.C. Tank Transport, Inc. | $0 | $31,834 | 157 | USI Insurance Services |
| Graphel Corporation | $0 | $24,957 | 143 | HUB International |
| Pivotal Housing Partners, LLC | $0 | $23,227 | 143 | HUB International |
| Phoenix Door Systems | $0 | $17,617 | 123 | Alliant Insurance Services |
| The Kleingers Group | $0 | $35,108 | 117 | USI Insurance Services |
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 West Chester employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Marsh McLennan Agency | $532,354 | 5 |
| USI Insurance Services | $174,011 | 6 |
| Aon | $163,415 | 1 |
| Corporate Plans LLC | $142,344 | 2 |
| Mercer | $136,993 | 2 |
| HUB International | $122,171 | 5 |
| Lang Financial Group Inc | $96,859 | 1 |
| McGohan Brabender, Inc. | $85,507 | 2 |
| Krauter & Company, LLC | $75,867 | 1 |
| AssuredPartners | $51,130 | 1 |
Largest medical carriers
Medical premium written for these employers.
West Chester 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.
| West Chester | Ohio | United States | |
|---|---|---|---|
| Employer plans | 28 | 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 | $35,108 | $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, 25 West Chester employers reported $5.9M in premiums and $1.9M in broker pay for 20,107 participants; in 2024 it was $5.2M and $1.8M for 22,778 participants (premiums −12.7%, broker pay −6.1%).
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 West Chester employers pay health insurance brokers?
28 West Chester employers reported $1,759,801 in broker commissions and fees on their 2024 Form 5500 filings, 27 of them disclosing at least some compensation. Too few fully insured medical plans in West Chester 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 West Chester employer that disclosed broker pay reported $35,108.
Which West Chester employers have the largest health plans?
By insurance premium reported for 2024, Sunesis Construction Company ($2.0M), Republic Wire Inc. ($1.6M), Lithko Contracting, LLC ($1.1M) lead. 25 West Chester employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in West Chester?
By compensation reported by West Chester employers, the largest brokers are Marsh McLennan Agency ($532,354, 5 plans), USI Insurance Services ($174,011, 6 plans), Aon ($163,415, 1 plans). By medical premium, the largest carriers are Medical Mutual of Ohio, Medical Mutual, Anthem.
Are West Chester employer health plans self-funded or fully insured?
Of 28 West Chester employer plans, 6 are fully insured, 17 are self-funded and 5 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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