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Broker brief

C H Reams & Associates, Inc

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

Plan year 2021

Groups

Lives under management

3,491

Direct (A)

$486,706

Additional (C)

$3,666

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 2020

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

Δ Groups

No change vs 2020

Δ Lives

−109 · −3.0% vs 2020

Added (1)

Harborcreek Youth Services · 109 lives

Dropped (1)

Achievement Center, Inc. · 143 lives

Placement peers

Similar placement

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

Loesel-Schaaf Insurance53% mix match · 14 groups · 3,531 lives

Lower Schedule A / Schedule C $/life vs this broker

Think differently

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

Alpha Benefits Group, Inc0% mix match · 19 groups · 2,847 lives

Stop-loss: Everest Reinsurance Company (57%) vs your broker’s HM Life Insurance Company (50%)
Medical: Capital Advantage Assurance Company (30%) vs your broker’s Highmark Inc (29%)

Webb Insurance, Inc.0% mix match · 9 groups · 2,583 lives

Stop-loss: Everest Reinsurance Company (100%) vs your broker’s HM Life Insurance Company (50%)
Medical: Capital Advantage Assurance Company (50%) vs your broker’s Highmark Inc (29%)

Rsc Insurance Brokerage, Inc.0% mix match · 11 groups · 5,706 lives

Stop-loss: Cigna Health And Life Insurance Company And Affiliates (33%) vs your broker’s HM Life Insurance Company (50%)
Medical: Unitedhealthcare Insurance Company (40%) vs your broker’s Highmark Inc (29%)

Pci Insurance Agency0% mix match · 45 groups · 6,518 lives

Stop-loss: Everest Reinsurance Company (95%) vs your broker’s HM Life Insurance Company (50%)
Medical: Capital Advantage Assurance Company (25%) vs your broker’s Highmark Inc (29%)

Benefitmall0% mix match · 11 groups · 3,608 lives

Stop-loss: Everest Reinsurance Company (100%) vs your broker’s HM Life Insurance Company (50%)

Coverage mix this year

Life13

Other6

Stop-loss5

Medical5

Dental3

Vision2

Appears alongside

Highmark Inc4

The Hdh Group, Inc. DBA Hub3

Aetna Insurance Company2

Upmc Health Plan1

Unimerica Insurance Company1

L.R. Webber Associates1

The Benecon Group, Inc.1

Pbasc1

Reschini Agency., Inc.1

Relationships

Groups on this book in 2021

Employer	Lives
Ridg U Rak, Inc.	263
Perseus House, Inc.	118
Dr Gertrude A Barber National Institute	1010
Emergycare, Inc.	157
First Citizens Community Bank	291
Gannon University	672
Larson Texts, Inc.	120
Harborcreek Youth Services	109
Mcaneny Brothers, Inc.	323
Cnb Bank	65
Matrix Tool Inc	130
Greater Erie Community Action Committee Inc	94
Moody & Associates, Inc.	58
Penn Union Corporation	81

Disruption in this book

Flagged groups

Ridg U Rak, Inc.
Carriers added · Carriers removed · Broker tenure
Perseus House, Inc.
Broker tenure
Dr Gertrude A Barber National Institute
Carriers added · Carriers removed · Broker tenure · Comp % outside peer band
Emergycare, Inc.
Named parties added · Named parties removed · Coverage added in the last 2 years · Carriers added · Carriers removed · Reported premium moved
First Citizens Community Bank
Broker tenure
Gannon University
Named parties added · Coverage removed in the last 2 years · Carriers removed · Broker tenure · Comp % outside peer band
Larson Texts, Inc.
Coverage added in the last 2 years · Carriers added · Carriers removed · Reported premium moved · Broker tenure
Mcaneny Brothers, Inc.
Carriers added · Carriers removed · Covered lives moved · Reported premium moved · Broker tenure
Cnb Bank
Reported premium moved · Broker tenure · Comp % outside peer band
Matrix Tool Inc
Coverage added in the last 2 years · Carriers added · Carriers removed · Broker tenure · Comp % outside peer band
Greater Erie Community Action Committee Inc
Coverage removed in the last 2 years · Carriers added · Carriers removed · Reported premium moved · Broker tenure
Moody & Associates, Inc.
Named parties removed · Coverage added in the last 2 years · Carriers added · Carriers removed · Reported premium moved · Comp % outside peer band
Penn Union Corporation
Carriers added · Carriers removed · Broker tenure