Unbiased Insights

Employer

Kratzenberg & Associates Inc.

546 Wendel Road, Irwin, PA 15642 · EIN 25-1780727 · Dec 1, 2023 to Dec 31, 2023

Plan year 2023

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Renewal and disruption

Flags

Named parties removed

  • Broker - Alera Group Inc DBA Arms
  • Broker - Smc Insurance Agency

Coverage removed in the last 2 years

  • Dental (2023)
  • Other (2023)

Carriers removed

  • Upmc Health Benefits
  • Upmc Health Options
  • Principal Life Insurance Company

Reported premium moved

  • Medical
  • Dental + Vision

Comp % outside peer band

  • Medical 1.6% · below peers p10–p90 2.0%–9.9% (median 3.9%, n=390)
  • Dental + Vision 3.1% · below peers p10–p90 7.4%–17.8% (median 11.4%, n=140)

Peer band

790 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

067133200202020212022202320242025
This company192Peer median172