Welfare broker

HERITAGE INSURANCE ASSOCIATES

Mailing address (most recent filing)

1525 OREGON PIKE SUITE 1902

LANCASTER, PA 17601

Total comp: $390K
Commissions: $390K
Fees: $0
Filings: 4
Sponsors: 4

Carrier mix

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

UNITEDHEALTHCARE INSURANCE COMPANY50.0%
UNIMERICA INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	1	$131K	50.0%
UNIMERICA INSURANCE COMPANY	1	$1.3M	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	$1.4M	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 HERITAGE INSURANCE ASSOCIATES's plans by broker comp / premium ratio. Median 2.61% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
J.D. ECKMAN, INC. J.D. ECKMAN, INC. EMPLOYEE BENEFIT WELFARE PLAN	PA	$1.3M	$24K	UNIMERICA INSURANCE COMPANY
HURSH PAINTING CO., INC. HURSH PAINTING CO., INC. EMPLOYEE BENEFIT PLAN	PA	$131K	$4K	OPTUMHEALTH

Carrier

Plans

Premium

UNITEDHEALTHCARE INSURANCE COMPANY

$131K

50.0%

UNIMERICA INSURANCE COMPANY

$1.3M

50.0%

State

Plans

Premium

State share

Index

$1.4M

0.0%

23.98x

Sponsor

Loc

Premium

Comp

Carrier

J.D. ECKMAN, INC.

J.D. ECKMAN, INC. EMPLOYEE BENEFIT WELFARE PLAN

$1.3M

$24K

UNIMERICA INSURANCE COMPANY

HURSH PAINTING CO., INC.

HURSH PAINTING CO., INC. EMPLOYEE BENEFIT PLAN

$131K

$4K

OPTUMHEALTH