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Broker brief

Harding-Yost Insurance Associates

Po Box 220, Denver, PA 17517 · EIN 23-2249739

Plan year 2021

Groups

Lives under management

577

Direct (A)

$12,631

Additional (C)

$66,775

Over time

Change across plan years

Pick a series. Direct (A) and Additional (C) are never summed.

Series

Groups2

Book movement

Lancaster groups and lives vs 2020

Net change in this broker’s local book. Adds and drops are named employers that appeared or disappeared between plan years.

Δ Groups

+3 · +100.0% vs 2020

Δ Lives

+348 · +152.0% vs 2020

Added (3)

David H Martin Excavating Inc · 260 lives
Stoltzfus Truck Brokerage Inc. · 45 lives
Lanco Mechanicals, Inc · 32 lives

Dropped (0)

None

Placement peers

Similar placement

Similar Lancaster book size and stop-loss / medical / admin mix. Descriptive only.

Commonwealth Financial Group97% mix match · 19 groups · 1,456 lives

Eta Benefits, Inc.95% mix match · 4 groups · 238 lives

Lower Schedule A / Schedule C $/life vs this broker

Swift Kennedy & Associates, Inc.83% mix match · 9 groups · 1,014 lives

Lower Schedule C $/life vs this broker

Employee Benefits Consultants, LLC77% mix match · 7 groups · 1,653 lives

Lower Schedule C $/life vs this broker

Ccab Insurance & Benefits, Inc.55% mix match · 6 groups · 654 lives

Lower Schedule C $/life vs this broker

Think differently

Similar book size, different placement mix. Descriptive only — not a recommendation.

Brokerage Concepts, Inc.0% mix match · 7 groups · 822 lives

Stop-loss: Berkley Life & Health Insurance Company (33%) vs your broker’s Everest Reinsurance Company (100%)

Umr, Inc.0% mix match · 2 groups · 1,044 lives

Stop-loss: Sun Life Assurance Company Of Canada (100%) vs your broker’s Everest Reinsurance Company (100%)

Rxbenefits, Inc.0% mix match · 4 groups · 1,550 lives

Stop-loss: HM Life Insurance Company (33%) vs your broker’s Everest Reinsurance Company (100%)

Central Pa Benefit Solutions35% mix match · 3 groups · 550 lives

Admin: Meritain Health (50%) vs your broker’s Capital Blue Cross (67%)

Pcf Insurance Services Of The West35% mix match · 3 groups · 1,371 lives

Admin: Independence Administrators (50%) vs your broker’s Capital Blue Cross (67%)

Coverage mix this year

Dental + Vision2

Appears alongside

The Benecon Group, LLC6

Capital Blue Cross6

Connectcare 36

Patriot (Power-Kunkle Group, Inc.)1

Harding-Yost Insurance1

Relationships

Groups on this book in 2021

Employer	Lives
Stoltzfus Truck Brokerage Inc.	45
Edwards Business Machines, Inc.	183
Heck Construction Company Inc.	31
Lanco Mechanicals, Inc	32
David H Martin Excavating Inc	260
Zimmerman Industries, Inc.	26

Disruption in this book

Flagged groups

Edwards Business Machines, Inc.
Named parties added · Named parties removed · Reported premium moved · Comp % outside peer band
Heck Construction Company Inc.
Reported premium moved · Broker tenure
David H Martin Excavating Inc
Named parties added · Coverage added in the last 2 years · Carriers added · Carriers removed · Covered lives moved · Reported premium moved
Zimmerman Industries, Inc.
Broker tenure

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Employer

Lives

Stoltzfus Truck Brokerage Inc.

Edwards Business Machines, Inc.

183

Heck Construction Company Inc.

Lanco Mechanicals, Inc

David H Martin Excavating Inc

260

Zimmerman Industries, Inc.