Youngstown, Ohio employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
20 employers in Youngstown, Ohio filed health plans with 100 or more participants for plan year 2024, covering 6,881 participants. They reported $9.0M in insurance premiums and $1.5M in broker commissions and fees. Against 2023, premiums were up 39.3% and broker pay rose 8.9%.
Funding: 7 fully insured · 7 self-funded · 6 mixed. 13 of 20 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Youngstown
Youngstown employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| The Public Library of Youngstown & Mahoning County | $2,624,952 | $107,887 | 196 | James B. Oswald Company |
| Dearing Compressor & Pump Co. | $1,838,140 | $21,430 | 187 | The Fedeli Group, LLC |
| General Extrusions, Inc. | $1,514,054 | $56,775 | 142 | Alan L Murray |
| Ohio North East Health Systems, Inc. | $1,438,843 | $72,192 | 284 | CBIZ |
| Chestnut Land Company | $1,368,383 | $445,097 | 1,487 | The Fedeli Group Inc. |
| Brilex Industries Inc. | $89,521 | $7,056 | 232 | The James B Oswald Company |
| Roth Bros., Inc. | $57,987 | $52,336 | 130 | Willis Towers Watson |
| Steelite International USA, Inc. | $25,416 | $62,321 | 299 | Gallagher |
| Trivium Packaging | $0 | $86,864 | 890 | USI Insurance Services |
| American Bulk Commodities Inc. | $0 | $140,843 | 785 | Cottingham & Butler Ins Services in |
| Schwebel Baking Co. | $0 | $19,515 | 479 | USI Insurance Services |
| Simon Roofing and Sheet Metal Corp. | $0 | $3,608 | 465 | Willis Towers Watson |
| Phantom Fireworks Company, LLC | $0 | $3,870 | 234 | Professional Group Plans, Inc. |
| Star Manufacturing LLC | $0 | $46,573 | 218 | USI Insurance Services |
| Meridian Healthcare | $0 | $93,406 | 204 | The James B. Oswald Company |
| Hynes Industries, Inc. | $0 | $17,090 | 183 | IMA Financial |
| Potential Development Program, Inc. | $0 | $69,517 | 131 | Broker's Alliance of Ohio Inc |
| Youngstown Orthopaedic Associates, LTD. | $0 | $31,944 | 118 | Westergard Inc |
| Direction Home of Eastern Ohio Inc. | $0 | $49,503 | 115 | NFP |
| Eye Care Associates, Inc. | $0 | $68,879 | 102 | OneDigital |
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 Youngstown employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| The Fedeli Group | $426,832 | 2 |
| James B. Oswald Company | $196,673 | 3 |
| Cottingham & Butler Ins Services in | $140,843 | 1 |
| USI Insurance Services | $133,945 | 3 |
| OneDigital | $74,181 | 3 |
| Gallagher | $62,321 | 1 |
| Willis Towers Watson | $53,298 | 2 |
| Broker's Alliance of Ohio, Inc. | $52,881 | 1 |
| Alan L Murray | $49,104 | 1 |
| CBIZ | $47,239 | 1 |
Largest medical carriers
Medical premium written for these employers.
Youngstown 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.
| Youngstown | Ohio | United States | |
|---|---|---|---|
| Employer plans | 20 | 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 | $54,556 | $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, 20 Youngstown employers reported $6.4M in premiums and $1.3M in broker pay for 6,971 participants; in 2024 it was $9.0M and $1.5M for 6,881 participants (premiums +39.3%, broker pay +8.9%).
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 Youngstown employers pay health insurance brokers?
20 Youngstown employers reported $1,456,706 in broker commissions and fees on their 2024 Form 5500 filings, 20 of them disclosing at least some compensation. Too few fully insured medical plans in Youngstown 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 Youngstown employer that disclosed broker pay reported $54,556.
Which Youngstown employers have the largest health plans?
By insurance premium reported for 2024, The Public Library of Youngstown & Mahoning County ($2.6M), Dearing Compressor & Pump Co. ($1.8M), General Extrusions, Inc. ($1.5M) lead. 20 Youngstown employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Youngstown?
By compensation reported by Youngstown employers, the largest brokers are The Fedeli Group ($426,832, 2 plans), James B. Oswald Company ($196,673, 3 plans), Cottingham & Butler Ins Services in ($140,843, 1 plans). By medical premium, the largest carriers are Medical Mutual of Ohio, Medical Mutual, Community Insurance Company.
Are Youngstown employer health plans self-funded or fully insured?
Of 20 Youngstown employer plans, 7 are fully insured, 7 are self-funded and 6 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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