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Broker brief

C H Reams & Associates, Inc

401 Cranberry St Ste 100, Erie, PA 16507 · EIN 25-1648669

Plan year 2020

Groups

Lives under management

3,600

Direct (A)

$499,417

Additional (C)

Over time

Change across plan years

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

Series

Groups6

Book movement

Lancaster groups and lives vs 2019

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

Δ Groups

+13 · +1300.0% vs 2019

Δ Lives

+3,476 · +2803.2% vs 2019

Added (13)

Dr Gertrude A Barber National Institute · 1,140 lives
Gannon University · 668 lives
First Citizens Community Bank · 293 lives
Ridg U Rak, Inc. · 277 lives
Mcaneny Brothers, Inc. · 228 lives
Emergycare, Inc. · 186 lives
Achievement Center, Inc. · 143 lives
Perseus House, Inc. · 130 lives

Dropped (0)

None

Placement peers

Similar placement

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

Loesel-Schaaf Insurance58% mix match · 16 groups · 3,604 lives

Lower Schedule A $/life vs this broker

Think differently

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

Alpha Benefits Group, Inc0% mix match · 24 groups · 3,725 lives

Stop-loss: Everest Reinsurance Company (55%) vs your broker’s Highmark Casualty Insurance Co (38%)
Medical: Capital Advantage Assurance Company (33%) vs your broker’s Highmark Inc (57%)

Patriot (Exude, Inc.)0% mix match · 25 groups · 3,993 lives

Stop-loss: Everest Reinsurance Company (86%) vs your broker’s Highmark Casualty Insurance Co (38%)
Medical: Independence Blue Cross (53%) vs your broker’s Highmark Inc (57%)

Meritain Health, An Aetna Company0% mix match · 5 groups · 3,056 lives

Stop-loss: Hcc Life Insurance Company (75%) vs your broker’s Highmark Casualty Insurance Co (38%)
Medical: Meritain Health (50%) vs your broker’s Highmark Inc (57%)

The Dbj Group Inc0% mix match · 15 groups · 2,871 lives

Stop-loss: Everest Reinsurance Company (67%) vs your broker’s Highmark Casualty Insurance Co (38%)
Medical: Upmc Health Options (43%) vs your broker’s Highmark Inc (57%)

Employee Benefits Consultants, LLC0% mix match · 6 groups · 2,063 lives

Stop-loss: Everest Reinsurance Company (67%) vs your broker’s Highmark Casualty Insurance Co (38%)
Medical: Aetna Life Insurance Co. (33%) vs your broker’s Highmark Inc (57%)

Coverage mix this year

Life12

Stop-loss5

Other5

Medical5

Dental3

Vision1

Appears alongside

Highmark Inc.5

Aetna Life Insurance Company2

Reschini Agency., Inc.1

The Hdh Group, Inc. DBA Hub1

Unimerica Insurance Company1

L.R. Webber Associates1

The Benecon Group, Inc.1

Pbasc1

Upmc Health Plan1

Relationships

Groups on this book in 2020

Employer	Lives
Achievement Center, Inc.	143
Cnb Bank	53
Emergycare, Inc.	186
First Citizens Community Bank	293
Dr Gertrude A Barber National Institute	1140
Ridg U Rak, Inc.	277
Perseus House, Inc.	130
Larson Texts, Inc.	112
Gannon University	668
Mcaneny Brothers, Inc.	228
Matrix Tool Inc	133
Penn Union Corporation	81
Greater Erie Community Action Committee Inc	104
Moody & Associates, Inc.	52

Disruption in this book

Flagged groups

Emergycare, Inc.
Comp % outside peer band
Dr Gertrude A Barber National Institute
Comp % outside peer band
Perseus House, Inc.
Comp % outside peer band
Larson Texts, Inc.
Carriers added · Carriers removed · Broker tenure
Gannon University
Named parties added · Coverage added in the last 2 years · Carriers added · Carriers removed · Broker tenure · Comp % outside peer band
Matrix Tool Inc
Coverage added in the last 2 years · Carriers added · Reported premium moved · Broker tenure · Comp % outside peer band
Greater Erie Community Action Committee Inc
Comp % outside peer band

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