Our Team

LevelFunded Health is a national, tech-enabled commercial health insurance distribution platform focused on level and self-insured benefit programs for middle market employer groups nationwide. LFH immediately saves mid-market businesses anywhere from $100,000 to $2 million plus per year on health insurance costs, while simultaneously improving employee benefits, EBITDA, debt ratios and exit valuations. LFH works with over 60 A-rated (AM BEST) national insurance carriers (medical stop loss & fully insured) to commoditize the commercial medical benefits sector nationwide.

Russ Carpel


Russ is a serial entrepreneur with more than 14 years of experience in marketing, business development, management and private equity fundraising. His experience cuts across the media, advertising, professional services and insurance sector. Most recently, Russ founded and ran ForeverCar.com, a national direct-to-consumer retailer of vehicle service contracts. Prior to starting Forever Car, Russ spearheaded national advertising revenue for multiple top-tier, national media brands in the U.S. including; The Economist, Crain Communications and Investing Channel.  Before his stint in the national media business, Russ was Director of New Business Development for Robert Brandt and Associates, a full-service advertising and public relations agency, based in Chicago. Russ earned a Bachelor’s Degree from Bradley University and has completed coursework towards a Master’s Degree from Northwestern University.

Jermell Williams


Jermell Williams has over 10 years of experience working in the various facets of the employee benefits industry. From Marsh McLennan Companies—one of the leading premier employee benefits brokerage firms in the nation—to the Financial Services Sector working for the Principal Financial Group, a Fortune 500 Insurance & Investment Company, overseeing a Principal Financial Group d/b/a, McKnight & Williams, as the Chief Operating Officer & Lead Benefits Consultant.

Throughout Mr. Williams’ career he has garnered a substantial amount of knowledge in employee benefits, business analytics/ processes, and financial consulting.  This allots for clients to have a direct resource for their Health & Welfare Programs at the executive level.  Jermell has worked his way up the industry ladder from the Coordinator/Account Manger level to Co-Founder of his own brokerage firm.

Mr. Williams has an extensive background in developing Complex Benefits Programs for fortune 100 and 500 Beverage Companies, Hospice Systems, Construction Firms, Physician Groups, Engineering Firms, Hospitality Groups, etc. 

In addition, Mr. Williams is a Lean Six Sigma Green Belt, he has a FL 2-15 Health & Life (Including Annuities & Variable Contracts), HIA Designation (Health Insurance Associate), Series 6 Securities License (Mutual Funds, Variable Annuities, Insurance…), Aetna Accelerated Underwriting Training Program Certificate, etc. 

Jermell earned his bachelor’s degree from the University of Connecticut. 

It is his mission to be on the cutting edge of innovation in the Employee Benefits marketplace and implement strategic operations that result in efficient service, and optimal profitability.

Alex Horvath

SVP Operations

Alex has over 13 years of professional inside and outside sales experience serving both the business-to-consumer and business-to-business markets. Alex started his sales career in mortgage brokerage, as a senior loan officer at InBank, a boutique retail-bank located in Chicago. Alex led his division in production for 3 consecutive years during his tenure with InBank.  Following his stint in banking, Alex became licensed as a Life, Health, Property and Casualty Insurance Producer.  After leaving the banking industry in 2009, Alex spent the last 6 years in the insurance sector, working primarily within property and casualty with both State Farm and Nationwide Insurance. Alex holds a B.S. in Marketing from Bradley University.

Linda Barnas

VP National Sales

Linda manages national business development out of the Florida office. Linda has over 25 years in business and industry working as a Human Resources Executive and Leader. Throughout her career, she has partnered extensively with CFOs, CEOs, Brokers, Insurance Account Executives, and TPA Administrators.

She takes a comprehensive approach to solving the challenges that employers face in providing health and welfare benefits and administration. Her strengths include helping companies analyze, manage, and control the staggering growth and volatility in costs associated with employee benefits with a balance for meeting the growing service needs of employers and employees. In working with LevelFunded Health, Linda takes great pride in partnering with each client organization to develop a custom set of solutions to meet the unique needs of her clients.

Prior to joining LevelFunded Health, Linda held Sr. Level Benefit and Compensation Strategy positions in companies across a diverse set of industries including Pharmaceutical, Healthcare, Oil and Gas, Insurance Trade Association, and Non-Profit industry sectors with large and mid- sized companies.

Linda received her Master of Science Degree in Industrial Relations from Loyola University of Chicago and her Bachelor of Arts Degree in Business Administration and Psychology from Augustana College.

Randy Ramsey

VP National Sales

Randy Ramsey manages national business development out of the Chicago office. His specialty is mid-market clients in the Midwest and takes pride in dramatically reducing their second largest line item expense, while simultaneously maximizing employee benefits

Before joining LevelFunded, Ramsey served as President of Ramsey Advertising since March 1989 and InnerWorkings since 2004.

Randy is also one of the four founders of the Mulliganeers, Giving Kids a Second Chance. Since 1995, the Mulliganeers have donated over $5 million to children and families in need of medical support.  His other charitable commitments include Blessings in a Backpack and Dreams for Kids.

Ramsey was a three-year starting guard on DePaul University’s men’s basketball team for the legendary Coach Ray Meyer.  Qualified for the Elite 8 NCAA men’s basketball tournament in 1978, Sweet 16 in 1976 and inducted into DePaul University’s Basketball Hall of Fame in 2004. 

Ramsey was born January 29, 1955, in Peoria, IL and received a Bachelor of Science degree in education, DePaul University 1978 and an MBA from DePaul University in 1983.

Christina Barrionuevo

National Key Account Manager

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Vesna Young

Compliance Director

Vesna has over 15 years of accounting and insurance licensing experience. Vesna started her career with Chase Bank in the life insurance and annuities sector. She transitioned to AccuQuote, a large life insurance brokerage, where she oversaw licensing for the agency and its 50+ agents.

In 2011, she left the agency with the birth of her first child. Vesna opened an insurance licensing service where she oversees contracting and licensing compliance for insurance agencies. Vesna holds a B.S. in Accounting from Illinois State University.

Jon Reese

Marketing Communications Director

Jon has over 25 years experience in marketing, design and web development. Previous to Level Funded, Jon had managed creative teams and designed award-winning projects for some of the world’s most respected advertising and interactive agencies.

Jon solves online and offline marketing and business challenges, producing results through web, direct marketing, identity design, and marketing campaigns. Jon’s career has netted him a valuable network of designers, developers, writers and industry movers-and-shakers which allows us to assemble specific teams of specialists to execute on our goals quickly and effectively.

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“Small employers grapple with rising health insurance premiums”
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