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Erie Indemnity Company serves as attorney-in-fact for policyholders of Erie Insurance Exchange, earning a management fee up to 25% of the Exchange’s direct and affiliated assumed premiums. For 2025, Exchange written premiums rose 8.9% to $13.0 billion, driving higher fee revenue.
Operating income increased to $717.2 million as management fee growth outpaced higher costs for agent commissions, personnel, and technology. Net income declined 6.8% to $559.3 million, or $10.69 per diluted share, mainly due to a one-time $100 million contribution to the Erie Insurance Foundation.
The company manages a primarily fixed‑income investment portfolio and reported total investment income of $84.9 million, up 22.5%. Erie employs 6,667 full‑time staff and emphasizes long employee tenure, low turnover, and extensive benefits and development programs. Key risks center on its sole-customer relationship with the Exchange, competition in property‑casualty insurance, investment market volatility, evolving regulation, cybersecurity, and ongoing litigation related to its management fee practices.
Erie Indemnity Company reported lower 2025 net income as a large charitable gift offset solid operating growth. Full-year net income was $559.3 million, or $10.69 per diluted share, down from $600.3 million, or $11.48 per diluted share, in 2024. Fourth-quarter net income fell to $63.4 million, or $1.21 per diluted share, from $152.0 million, or $2.91 per diluted share, a year earlier.
Operating income before taxes rose to $717.2 million in 2025, up 6.0% from $676.5 million, driven by higher management fee revenue and stronger investment income. Results were reduced by an after-tax $80.6 million impact, or $1.54 per diluted share, from a $100 million contribution to the newly formed Erie Insurance Foundation. The Board also approved a quarterly Class A dividend of $1.4625 per share, payable April 21, 2026 to shareholders of record on April 7, 2026.
Erie Indemnity Company announced that President and Chief Executive Officer Timothy G. (Tim) NeCastro will retire on December 31, 2026, concluding a 30-year career with the company, including 10 years as CEO. The board of directors will begin an immediate search to identify a new president and CEO, while NeCastro continues to lead the organization through the transition.
The company highlights that under NeCastro’s leadership, Erie Insurance grew to nearly $13 billion in premium and more than 7 million policies in force, while maintaining strong financial performance and its service-focused culture. After retiring as CEO, NeCastro will remain involved as president of the Erie Insurance Foundation, supporting the company’s long-term charitable and community efforts. Erie Insurance is described as a Fortune 500 property/casualty insurer operating in 12 states and the District of Columbia, with an A (Excellent) rating from AM Best.
Erie Indemnity Company director and 10% owner Elizabeth A. Vorsheck reported an automatic award of 39.474 Directors' Deferred Compensation Share Credits on January 31, 2026. These credits, granted under the Outside Directors' Stock Plan at $0 per credit, bring her directly held deferred share credit balance to 14,338.776, representing the right to receive the same number of Class A common shares when her board service ends.
The filing also lists substantial indirect holdings of Erie Indemnity Class A and Class B common stock through multiple trusts and a limited partnership where she serves in roles such as trustee, co‑trustee, beneficiary, or partner; these entries update ownership positions rather than record new share purchases or sales.
Erie Indemnity Company executive Douglas Edward Smith reported a small 401(k) plan transaction in company stock. On 01/31/2026, a participant-directed transaction under a 401(k) plan resulted in the acquisition of 2.579 shares of Class A common stock at $283.01 per share. Following this activity, Smith’s directly held balance in Class A common stock was 5,162.504 shares.
Erie Indemnity Company executive vice president Sarah Shine reported a participant-directed transaction in the company’s Class A common stock under a 401(k) plan. She acquired 6.535 shares at $283.01 per share on January 31, 2026, bringing her directly held balance to 528.196 shares.
The Form 4 also shows 2,678.365 Incentive Compensation Deferral Plan share credits. These share credits periodically accrue to select management under Erie Indemnity’s Incentive Compensation Deferral Plan and represent the right to receive an equivalent number of Class A shares upon retirement or other separation from service, with no set exercise or expiration dates.
Erie Indemnity’s executive vice president and chief financial officer, Julie Marie Pelkowski, reported a small participant-directed transaction in the company’s 401(k) plan. On January 31, 2026, she acquired 5.172 shares of Class A common stock at $283.01 per share, bringing her directly held balance to 657.916 shares.
The filing also notes 1,795.968 Incentive Compensation Deferral Plan Share Credits, which represent the right to receive an equivalent number of Class A shares when she retires or otherwise leaves the company. These share credits have no exercise or expiration dates and are part of a deferred compensation program for select management and highly compensated employees.
Erie Indemnity Company executive Anthony DaBreo reported a small change in his holdings of Class A common stock through a retirement plan transaction. On January 31, 2026, he acquired 6.247 shares of Erie Indemnity Class A common stock at $283.01 per share via a participant-directed transaction under a 401(k) plan.
Following this transaction, DaBreo beneficially owned 1,359.157 Class A shares, held in direct ownership form. The filing classifies the activity with transaction code "J," which indicates another type of non-standard transaction rather than an open-market trade.
Erie Indemnity Company executive Cody Cook, an Executive Vice President, reported a participant-directed transaction in the company’s Class A common stock under a 401(k) plan. On 01/31/2026, 6.93 shares were acquired at a price of $283.01 per share.
Following this transaction, Cook beneficially owned 1,115.945 shares of Class A common stock directly. He also held 1,276.289 Incentive Compensation Deferral Plan Share Credits, which represent the right to receive an equivalent number of Class A shares upon retirement or other separation from the company, with no exercisable or expiration dates.
Erie Indemnity director Thomas W. Palmer reported a deferred stock compensation grant. On January 31, 2026, he acquired 39.474 Directors' Deferred Compensation Share Credits under the company’s Outside Directors' Deferred Compensation/Stock Plan at a reference price of $283.01 per share credit.
These share credits represent the right to receive an equivalent number of Erie Indemnity Class A common shares when his board service ends and have no expiration date. After this transaction, Palmer holds 15,587.581 share credits directly and 770 Class A common shares indirectly through the Thomas W. Palmer Revocable Trust.