Unbiased Insights

Employer

Foundation For Individual Rights And Expression

510 Walnut Street, Suite 900, Philadelphia, PA 19106 · EIN 04-3467254 · Jan 1, 2025 to Dec 31, 2025

Plan year 2025

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Renewal and disruption

Flags

Named parties added

  • + Broker - Kistler Tiffany Benefits Co

Named parties removed

  • Broker - Onedigital (Philadelphia)
  • Broker - Digital Isnurance LLC
  • Broker - Center Benefits Research LLC

Coverage added in the last 2 years

  • + Medical (2024)
  • + Other (2025)

Carriers added

  • + Guardian
  • + Independence Blue Cross
  • + Unum Insurance Company

Carriers removed

  • The Guardian Life Insurance Company Of America

Covered lives moved

  • 123 vs 212 in 2024

Reported premium moved

  • Dental + Vision

Comp % outside peer band

  • Other 1.4% · below peers p10–p90 8.5%–23.7% (median 15.4%, n=83)

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

0167333500202320242025
This company123Peer median169