Unbiased Insights

Employer

Ardent Credit Union

1500 Spring Garden Street, Philadelphia, PA 19130 · EIN 23-2088266 · Jan 1, 2025 to Dec 31, 2025

Plan year 2025

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Renewal and disruption

Flags

Named parties added

  • + Broker - Gallagher Benfit Services, Inc.
  • + Broker - Kelly & Assocs Insurance Grp, Inc.

Named parties removed

  • Broker - Kelly And Associates Ins. Group

Coverage added in the last 2 years

  • + Other (2025)

Carriers added

  • + Independence Blue Cross

Comp % outside peer band

  • Life 7.4% · below peers p10–p90 8.9%–22.7% (median 15.3%, n=207)

Peer band

318 Lancaster groups · 100-249 lives

No stop-loss on filing. Median overlay uses the same lives band. Missing Schedule A is a gap, not $0.

Series

0167333500202020212022202320242025
This company213Peer median169