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Broker brief

C H Reams & Associates, Inc

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

Plan year 2022

Groups

Lives under management

2,248

Direct (A)

$283,909

Additional (C)

$3,763

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 2021

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

Δ Groups

−4 · −28.6% vs 2021

Δ Lives

−1,243 · −35.6% vs 2021

Added (0)

None

Dropped (4)

Dr Gertrude A Barber National Institute · 1,010 lives
Harborcreek Youth Services · 109 lives
Greater Erie Community Action Committee Inc · 94 lives
Penn Union Corporation · 81 lives

Placement peers

Similar placement

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

Stalwart Insurance LLC70% mix match · 11 groups · 3,050 lives

Lower Schedule A $/life vs this broker

Ima Financial Group (Pittsburgh, Pa61% mix match · 12 groups · 2,925 lives

Davevic Benefit Consultants58% mix match · 17 groups · 5,478 lives

Lower Schedule C $/life vs this broker

First Commonwealth Insurance Agency52% mix match · 9 groups · 2,442 lives

Lower Schedule A $/life vs this broker

Onesource Benefit Solutions52% mix match · 9 groups · 2,118 lives

Lower Schedule C $/life vs this broker

Think differently

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

Employee Benefits Consultants, LLC0% mix match · 11 groups · 2,002 lives

Stop-loss: Everest Reinsurance Company (100%) vs your broker’s HM Life Insurance Company (80%)
Medical: Cigna Health And Life Insurance Company (33%) vs your broker’s Highmark, Inc. (67%)

Swift Kennedy & Associates, Inc.0% mix match · 8 groups · 1,041 lives

Stop-loss: Everest Reinsurance Company (100%) vs your broker’s HM Life Insurance Company (80%)
Medical: Geisinger Health Plan (33%) vs your broker’s Highmark, Inc. (67%)

Innovative Benefit Planning, LLC0% mix match · 10 groups · 2,354 lives

Medical: Independence Blue Cross (50%) vs your broker’s Highmark, Inc. (67%)

Adp, Inc.0% mix match · 3 groups · 2,486 lives

Medical: Fidelity Security Life (33%) vs your broker’s Highmark, Inc. (67%)

Benefit Connections, Inc.0% mix match · 11 groups · 2,528 lives

Stop-loss: Everest Reinsurance Company (70%) vs your broker’s HM Life Insurance Company (80%)

Coverage mix this year

Life9

Other5

Medical4

Stop-loss3

Dental2

Vision1

Appears alongside

Reschini Agency., Inc.1

Aetna Life Insurance Company1

Acrisure, LLC DBA Ashton Benefits1

Unimerica Insurance Company1

The Benecon Group, Inc.1

Lr Webber Associates1

Highmark1

Pbasc1

Highmark Inc1

Relationships

Groups on this book in 2022

Employer	Lives
Cnb Bank	59
Larson Texts, Inc.	120
First Citizens Community Bank	305
Ridg U Rak, Inc.	256
Emergycare, Inc.	166
Matrix Tool Inc	107
Perseus House, Inc.	113
Gannon University	672
Mcaneny Brothers, Inc.	389
Moody & Associates, Inc.	61

Disruption in this book

Flagged groups

Cnb Bank
Named parties added · Named parties removed · Coverage added in the last 2 years · Coverage removed in the last 2 years · Carriers added · Carriers removed · Reported premium moved
Larson Texts, Inc.
Coverage added in the last 2 years · Carriers added · Reported premium moved · Broker tenure
First Citizens Community Bank
Named parties added · Named parties removed · Carriers removed · Reported premium moved
Ridg U Rak, Inc.
Named parties removed · Carriers added · Carriers removed · Reported premium moved · Broker tenure · Comp % outside peer band
Emergycare, Inc.
Named parties removed · Coverage added in the last 2 years · Carriers added · Carriers removed · Reported premium moved · Comp % outside peer band
Matrix Tool Inc
Reported premium moved · Broker tenure
Perseus House, Inc.
Reported premium moved · Broker tenure · Comp % outside peer band
Gannon University
Named parties added · Named parties removed · Coverage removed in the last 2 years · Carriers added · Carriers removed · Broker tenure
Mcaneny Brothers, Inc.
Named parties removed · Coverage removed in the last 2 years · Carriers added · Carriers removed · Covered lives moved · Broker tenure
Moody & Associates, Inc.
Carriers added · Carriers removed · Reported premium moved · Comp % outside peer band