Welfare broker

HARDING-YOST INSURANCE ASSOCIATES

Mailing address (most recent filing)

352 MAIN STREET

DENVER, PA 17517

Total comp: $14K
Commissions: $14K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

Where HARDING-YOST INSURANCE ASSOCIATES places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNITEDHEALTHCARE INSURANCE COMPANY50.0%
CAPITAL ADVANTAGE ASSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	1	$185K	50.0%
CAPITAL ADVANTAGE ASSURANCE COMPANY	1	$119K	50.0%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
PA	2	$304K	0.0%	23.98x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of HARDING-YOST INSURANCE ASSOCIATES's plans by broker comp / premium ratio. Median 5.74% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of HARDING-YOST INSURANCE ASSOCIATES's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where HARDING-YOST INSURANCE ASSOCIATES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
DAVID H MARTIN EXCAVATING INC DAVID H. MARTIN EXCAVATING, INCORPORATED GROUP INSURANCE PLAN	PA	$119K	$12K	CAPITAL ADVANTAGE ASSURANCE COMPANY
TWO DUDES PAINTING COMPANY TWO DUDES PAINTING COMPANY EMPLOYEE BENEFIT PLAN	PA	$185K	$3K	OPTUM HEALTH (UNIMERICA INSURANCE COMPANY)

Carrier

Plans

Premium

UNITEDHEALTHCARE INSURANCE COMPANY

$185K

50.0%

CAPITAL ADVANTAGE ASSURANCE COMPANY

$119K

50.0%

State

Plans

Premium

State share

Index

$304K

0.0%

23.98x

Sponsor

Loc

Premium

Comp

Carrier

DAVID H MARTIN EXCAVATING INC

DAVID H. MARTIN EXCAVATING, INCORPORATED GROUP INSURANCE PLAN

$119K

$12K

CAPITAL ADVANTAGE ASSURANCE COMPANY

TWO DUDES PAINTING COMPANY

TWO DUDES PAINTING COMPANY EMPLOYEE BENEFIT PLAN

$185K

$3K

OPTUM HEALTH (UNIMERICA INSURANCE COMPANY)