Lancaster, Pennsylvania employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
57 employers in Lancaster, Pennsylvania filed health plans with 100 or more participants for plan year 2024, covering 36,655 participants. They reported $3.1M in insurance premiums and $2.9M in broker commissions and fees. Against 2023, premiums were up 626.9% and broker pay rose 2.8%.
Funding: 2 fully insured · 46 self-funded · 9 mixed. 55 of 57 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Lancaster
Lancaster employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Armstrong World Industries, Inc. | $2,489,642 | $381,052 | 2,583 | Aon |
| Kunzler & Company, Inc. | $204,514 | $20,703 | 197 | H G I D Inc |
| Kalas Manufacturing, Inc. | $194,377 | $54,949 | 375 | USI Insurance Services |
| Frey Lutz Corp | $66,767 | $8,284 | 103 | Murray Insurance Assoc Inc |
| RKL LLP | $59,402 | $174,357 | 540 | Engle-Hambright & Davies Inc |
| Ecore International, Inc. | $42,398 | $41,000 | 593 | Employee Family Protection Inc |
| Cargas Systems Inc. | $20,571 | $18,091 | 186 | Ingroup Associates LLC. |
| Excentia Human Services Aka the Pai Corporation | $17,045 | $29,055 | 220 | Gallagher |
| Community Action Partnership of Lancaster County, Inc. | $17,012 | $40,073 | 279 | Engle-Hambright & Davies, Inc. |
| Jerome H. Rhoads, Inc. | $12,464 | $21,117 | 154 | Engle Hambright & Davies, Inc. |
| Lancaster General Health | $0 | — | 7,443 | — |
| Clark Core Services, LLC | $0 | $399,136 | 5,086 | Mercer |
| Fulton Financial Corporation | $0 | $378,532 | 3,615 | Gis Benefits Inc |
| Graham Packaging Company, L.P. | $0 | $195,124 | 3,598 | Mercer |
| High Industries, Inc. | $0 | — | 1,513 | — |
| Onewell LLC | $0 | $137,536 | 958 | Heffernan |
| Franklin & Marshall College | $0 | — | 709 | — |
| Clipper Magazine LLC | $0 | $59,653 | 603 | USI Insurance Services |
| The Wenger Group, Inc. | $0 | $8,452 | 498 | USI Insurance Services |
| Lancaster Bible College | $0 | $21,270 | 446 | Patrick Moran |
| Woodstream Corporation | $0 | $87,568 | 425 | Gis Benefits Inc |
| Burnham Holdings, Inc. | $0 | $3,172 | 421 | Phan Nhung Le |
| Orthopedic Associates of Lancaster, LTD. | $0 | $6,711 | 298 | Valhalla Business Business, LLC |
| Irex Corporation | $0 | — | 279 | — |
| Choices Healthcare | $0 | $44,292 | 274 | Ingroup Associates, Inc. |
Source: DOL Form 5500 Schedule A, plan year 2024; employers are grouped by the sponsor's mailing city as filed. Self-funded employers show only stop-loss and ancillary premium.
Who gets paid
Commissions and fees reported by Lancaster employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Mercer | $482,782 | 2 |
| Aon | $246,339 | 1 |
| Engle-Hambright & Davies Inc | $148,361 | 5 |
| Ingroup Associates, Inc. | $137,154 | 8 |
| USI Insurance Services | $119,518 | 4 |
| Heffernan | $112,042 | 1 |
| Custom Benefit Programs Inc | $106,367 | 1 |
| Alera Group, Inc. | $73,976 | 5 |
| Lockton | $69,343 | 1 |
| SBR Services LLC | $64,692 | 1 |
Largest medical carriers
Medical premium written for these employers.
Lancaster against Pennsylvania and the U.S.
Medians over the same definitions on every BenefitsLedger page: commission rate on commission-paying, fully insured medical plans; broker pay per employer that disclosed any; medical premium per covered person.
| Lancaster | Pennsylvania | United States | |
|---|---|---|---|
| Employer plans | 57 | 2,599 | 58,547 |
| Median commission rate | n/a | 4.4% | 3.8% |
| Middle half of rates | n/a | 3.0% – 5.4% | 2.7% – 5.0% |
| Median broker pay per employer | $31,989 | $57,332 | $72,628 |
| Medical premium per covered person | n/a | $7,621 | $7,274 |
| Plans reporting no commission | 0 | 54 | 933 |
Year over year. In plan year 2023, 56 Lancaster employers reported $429,805 in premiums and $2.8M in broker pay for 33,202 participants; in 2024 it was $3.1M and $2.9M for 36,655 participants (premiums +626.9%, broker pay +2.8%).
Source: DOL Form 5500 and Schedule A, plan years 2024 and 2023, employer health plans with 100 or more participants; built October 24, 2026. Medians need at least 10 rated plans to be shown for a city. Methodology.
How much do Lancaster employers pay health insurance brokers?
57 Lancaster employers reported $2,905,065 in broker commissions and fees on their 2024 Form 5500 filings, 43 of them disclosing at least some compensation. Too few fully insured medical plans in Lancaster reported premium to compute a stable commission rate; the Pennsylvania median is 4.4% and the U.S. median is 3.8%. In dollars, the median Lancaster employer that disclosed broker pay reported $31,989.
Which Lancaster employers have the largest health plans?
By insurance premium reported for 2024, Armstrong World Industries, Inc. ($2.5M), Kunzler & Company, Inc. ($204,514), Kalas Manufacturing, Inc. ($194,377) lead. 25 Lancaster employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Lancaster?
By compensation reported by Lancaster employers, the largest brokers are Mercer ($482,782, 2 plans), Aon ($246,339, 1 plans), Engle-Hambright & Davies Inc ($148,361, 5 plans). By medical premium, the largest carriers are UPMC Health Options, Janus Associates, Inc. dba BHS, Aetna Life Insurance Company.
Are Lancaster employer health plans self-funded or fully insured?
Of 57 Lancaster employer plans, 2 are fully insured, 46 are self-funded and 9 mix insured and self-funded coverage. Self-funded plans report only stop-loss and ancillary contracts on Schedule A, so their premium and broker pay understate total spend.
Other cities in Pennsylvania
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