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Broker brief

Ap Benefit Advisors LLC

280 Granite Run Dr, Lancaster, PA 17601 · EIN 23-2932984

Plan year 2023

Groups

Lives under management

1,031

Direct (A)

$7,072

Additional (C)

$32,030

Over time

Change across plan years

Pick a series. Direct (A) and Additional (C) are never summed.

Series

Groups5

Book movement

Lancaster groups and lives vs 2022

Net change in this broker’s local book. Adds and drops are named employers that appeared or disappeared between plan years.

Δ Groups

−11 · −57.9% vs 2022

Δ Lives

−2,279 · −68.9% vs 2022

Added (4)

Aquaphoenix Scientific Inc · 303 lives
H & H General Excavating Company · 145 lives
Trout, Ebersole & Groff, LLP · 131 lives
Edgewood Enterprises, LLC · 107 lives

Dropped (15)

Ansys, Inc. · 1,556 lives
The Jay Group, Inc. · 279 lives
Yuasa Battery, Inc. · 238 lives
Visioncorps · 147 lives
K & W Tire Company, Inc. · 137 lives
Keystone Wood Specialties, Inc. · 102 lives
Goodhart Sons, Inc. · 97 lives
Strasburg Rail Road Company · 73 lives

Placement peers

Similar placement

Similar Lancaster book size and stop-loss / medical / admin mix. Descriptive only.

Commonwealth Financial Group84% mix match · 20 groups · 1,521 lives

Strickler Agency, Inc.80% mix match · 21 groups · 2,868 lives

Ccab Insurance & Benefits, Inc.80% mix match · 8 groups · 874 lives

Mpb Risk Services, LLC71% mix match · 6 groups · 1,143 lives

Innovative Benefit Planning, LLC63% mix match · 8 groups · 1,410 lives

Lower Schedule C $/life vs this broker

Think differently

Similar book size, different placement mix. Descriptive only — not a recommendation.

Onesource Benefit Solutions0% mix match · 8 groups · 1,756 lives

Stop-loss: HM Insurance Group (50%) vs your broker’s Optum Health (Unimerica Insurance Company) (50%)
Medical: Highmark, Inc. (67%) vs your broker’s Capital Advantage Assurance Company (50%)

Frissora & Associates, LLC0% mix match · 11 groups · 2,126 lives

Stop-loss: Symetra Life Insurance Company (78%) vs your broker’s Optum Health (Unimerica Insurance Company) (50%)
Medical: Highmark Inc. - Freedom Blue (50%) vs your broker’s Capital Advantage Assurance Company (50%)

Delaware Valley Health Care Coalit.0% mix match · 4 groups · 2,801 lives

Stop-loss: HM Life Insurance Coverage (50%) vs your broker’s Optum Health (Unimerica Insurance Company) (50%)
Medical: Geisinger Quality Options (33%) vs your broker’s Capital Advantage Assurance Company (50%)

Loesel-Schaaf Insurance0% mix match · 14 groups · 2,841 lives

Stop-loss: Gerber Life Insurance Company (50%) vs your broker’s Optum Health (Unimerica Insurance Company) (50%)
Medical: Upmc Health Options (50%) vs your broker’s Capital Advantage Assurance Company (50%)

Labor First LLC0% mix match · 4 groups · 3,072 lives

Stop-loss: Gerber Life Insurance Company (100%) vs your broker’s Optum Health (Unimerica Insurance Company) (50%)
Medical: Blue Medicare Advantage (33%) vs your broker’s Capital Advantage Assurance Company (50%)

Coverage mix this year

Dental + Vision3

Life2

Vision1

Appears alongside

Assured Partners (Central Pa)6

The Benecon Group4

ConnectCare34

Capital Bluecross3

Engle, Hambright & Davies, Inc.1

Assured Partners1

Highmark Blue Shield (Central)1

Ingroup Associates, Inc.1

Relationships

Groups on this book in 2023

Employer	Lives
Clark Service Group, Inc.	139
Ressler & Mateer, Inc.	49
Bbgy, Inc.	36
H & H General Excavating Company	145
Trout, Ebersole & Groff, LLP	131
Edgewood Enterprises, LLC	107
Aquaphoenix Scientific Inc	303
Rohrer'S Quarry, Inc.	121

Disruption in this book

Flagged groups

Ressler & Mateer, Inc.
Coverage removed in the last 2 years · Carriers added · Carriers removed · Reported premium moved
Bbgy, Inc.
Coverage removed in the last 2 years · Carriers removed · Broker tenure
H & H General Excavating Company
Comp % outside peer band
Trout, Ebersole & Groff, LLP
Named parties added · Named parties removed · Reported premium moved
Edgewood Enterprises, LLC
Comp % outside peer band
Aquaphoenix Scientific Inc
Named parties added · Covered lives moved
Rohrer'S Quarry, Inc.
Named parties added · Named parties removed · Carriers added · Carriers removed · Comp % outside peer band

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