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Broker brief

Harding-Yost Insurance Associates

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

Plan year 2024

Groups

Lives under management

1,059

Direct (A)

$13,505

Additional (C)

$272,082

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 2023

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

Δ Groups

−1 · −6.7% vs 2023

Δ Lives

−363 · −25.5% vs 2023

Added (2)

Aero Corporation · 52 lives
Lanco Mechanicals, Inc · 35 lives

Dropped (3)

Placement peers

Similar placement

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

Commonwealth Financial Group93% mix match · 19 groups · 1,357 lives

Lower Schedule C $/life vs this broker

Mpb Risk Services, LLC92% mix match · 21 groups · 2,126 lives

Lower Schedule C $/life vs this broker

Strickler Agency, Inc.85% mix match · 21 groups · 2,978 lives

Lower Schedule C $/life vs this broker

Ap Benefit Advisors LLC79% mix match · 8 groups · 1,195 lives

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

Employee Benefits Consultants, LLC75% mix match · 12 groups · 1,376 lives

Lower Schedule C $/life vs this broker

Think differently

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

Loesel-Schaaf Insurance4% mix match · 11 groups · 1,832 lives

Stop-loss: Symetra Life Insurance Company (67%) vs your broker’s Optum Health (Unimerica Insurance Company) (50%)

Pcf Insurance Services Of The West20% mix match · 7 groups · 1,776 lives

Stop-loss: HM Life Insurance Company (50%) vs your broker’s Optum Health (Unimerica Insurance Company) (50%)
Admin: Highmark Blue Shield (Central) (25%) vs your broker’s Capital Bluecross (73%)

Tycor Benefit Administrators, Inc.22% mix match · 6 groups · 510 lives

Stop-loss: Everest Reinsurance Company (75%) vs your broker’s Optum Health (Unimerica Insurance Company) (50%)
Admin: Meritain Health, An Aetna Company (75%) vs your broker’s Capital Bluecross (73%)

Meritain Health, An Aetna Company26% mix match · 4 groups · 1,498 lives

Stop-loss: Everest Reinsurance Company (25%) vs your broker’s Optum Health (Unimerica Insurance Company) (50%)

United Of Omaha Life Insurance Comp29% mix match · 9 groups · 2,712 lives

Stop-loss: HM Life Insurance Company (50%) vs your broker’s Optum Health (Unimerica Insurance Company) (50%)
Admin: United Concordia Companies, Inc. (50%) vs your broker’s Capital Bluecross (73%)

Coverage mix this year

Dental2

Dental + Vision1

Appears alongside

Harding-Yost Insurance1

Relationships

Groups on this book in 2024

Employer	Lives
Denver Cold Storage	78
Jsl Mechanical, Inc.	40
Stoltzfus Truck Brokerage Inc.	43
David H. Martin Excavating, Incorporated	293
Kegels Produce, Inc.	69
Denver Wholesale Foods, LLC	28
Lancaster Archery Supply, Inc.	109
Lanco Mechanicals, Inc	35
Deer Country Farm And Lawn, Inc.	95
Edwards Business Machines, Inc.	105
Barrys Paint Shop, Inc.	32
Heck Construction Company Inc.	30
Two Dudes Painting Company	50
Aero Corporation	52

Disruption in this book

Flagged groups

Jsl Mechanical, Inc.
Carriers added · Covered lives moved · Reported premium moved · Broker tenure
Stoltzfus Truck Brokerage Inc.
Broker tenure
David H. Martin Excavating, Incorporated
Reported premium moved
Kegels Produce, Inc.
Named parties added · Named parties removed · Coverage added in the last 2 years · Carriers added · Covered lives moved · Broker tenure
Denver Wholesale Foods, LLC
Named parties removed · Broker tenure
Lancaster Archery Supply, Inc.
Named parties removed · Coverage added in the last 2 years · Reported premium moved
Lanco Mechanicals, Inc
Named parties added · Named parties removed · Carriers removed · Reported premium moved
Deer Country Farm And Lawn, Inc.
Named parties added · Named parties removed · Carriers added
Edwards Business Machines, Inc.
Named parties added · Named parties removed · Coverage removed in the last 2 years · Carriers added · Carriers removed · Covered lives moved
Barrys Paint Shop, Inc.
Named parties added · Named parties removed · Carriers added · Covered lives moved · Reported premium moved · Broker tenure
Heck Construction Company Inc.
Named parties added · Named parties removed · Carriers added · Broker tenure
Two Dudes Painting Company
Named parties removed · Carriers added · Covered lives moved · Reported premium moved · Broker tenure · Comp % outside peer band

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