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Broker brief

Cummings Insurance Agency

1301 Madison Ave, Dunmore, PA 18509 · EIN 23-2732076

Plan year 2023

Groups

Lives under management

2,306

Direct (A)

$120,376

Additional (C)

$447,983

Over time

Change across plan years

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

Series

Groups13

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

+5 · +33.3% vs 2022

Δ Lives

+438 · +23.4% vs 2022

Added (5)

Signallamp Health, Inc. · 180 lives
The Advocacy Alliance · 85 lives
Q Company, LLC · 45 lives
Bolus Freight Systems, Inc · 30 lives
Golden Business Machines, Inc. · 27 lives

Dropped (0)

None

Placement peers

Similar placement

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

Patriot (Exude, Inc.)57% mix match · 27 groups · 5,275 lives

Lower Schedule A $/life vs this broker

C H Reams & Associates, Inc57% mix match · 10 groups · 3,304 lives

Lower Schedule C $/life vs this broker

First National Insurance Agency52% mix match · 22 groups · 2,794 lives

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

Think differently

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

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

Stop-loss: Symetra Life Insurance Company (78%) vs your broker’s Everest Reinsurance Company (74%)

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

Stop-loss: Gerber Life Insurance Company (100%) vs your broker’s Everest Reinsurance Company (74%)

Brokerage Concepts, Inc.0% mix match · 5 groups · 1,813 lives

Ap Benefit Advisors LLC16% mix match · 8 groups · 1,031 lives

Stop-loss: Optum Health (Unimerica Insurance Company) (50%) vs your broker’s Everest Reinsurance Company (74%)
Admin: Capital Bluecross (50%) vs your broker’s Highmark Bcbs Nepa (75%)

Simkiss & Block33% mix match · 16 groups · 4,743 lives

Admin: Meritain Health, An Aetna Company (75%) vs your broker’s Highmark Bcbs Nepa (75%)

Coverage mix this year

Dental7

Dental + Vision5

Life3

Vision2

Other1

Appears alongside

The Benecon Group, LLC19

Connectcare 319

Highmark Bcbs Nepa13

Geisinger Health Plan4

Emerson Rogers LLC2

Kistler Tiffany Benefits Co2

Highmark Bcbs Nepa2

Creative Benefits, Inc1

Allied Benefit Systems1

Relationships

Groups on this book in 2023

Employer	Lives
Knowlton & Sons Masonry Const. Inc	51
B&K Equipment, LLC	77
P.A. Hutchison Company	89
Signallamp Health, Inc.	180
Prompton Tool Inc.	75
Schiffs Food Service, Inc.	62
Evergreen Oilfield Solutions, LLC	76
Friendship House	151
Goodwill Industries Of N.E. Pa, Inc.	73
Universal Printing Company LLC	134
Diaz Stone And Pallet, Inc.	135
Signature Building Systems, Inc.	153
The Advocacy Alliance	85
Q Company, LLC	45
Scranton Counseling Center	223
Traditional Home Health And Hospice, LLC	133
Bolus Freight Systems, Inc	30
Top Notch Distributors, Inc.	310
Deer Park Lumber, Inc.	197
Golden Business Machines, Inc.	27

Disruption in this book

Flagged groups

Knowlton & Sons Masonry Const. Inc
Named parties added · Named parties removed · Covered lives moved · Reported premium moved · Comp % outside peer band
B&K Equipment, LLC
Named parties added · Named parties removed · Coverage added in the last 2 years · Coverage removed in the last 2 years · Carriers added · Carriers removed · Comp % outside peer band
P.A. Hutchison Company
Named parties added · Named parties removed · Coverage added in the last 2 years · Coverage removed in the last 2 years · Carriers added · Covered lives moved
Prompton Tool Inc.
Named parties removed · Coverage added in the last 2 years · Coverage removed in the last 2 years · Carriers added · Carriers removed · Covered lives moved · Broker tenure
Schiffs Food Service, Inc.
Named parties added · Named parties removed · Coverage added in the last 2 years · Carriers added · Reported premium moved · Broker tenure
Evergreen Oilfield Solutions, LLC
Named parties added · Covered lives moved · Reported premium moved · Broker tenure · Comp % outside peer band
Friendship House
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 · Comp % outside peer band
Goodwill Industries Of N.E. Pa, Inc.
Named parties added · Named parties removed · Carriers added · Carriers removed · Covered lives moved
Diaz Stone And Pallet, Inc.
Carriers added · Broker tenure
Signature Building Systems, Inc.
Named parties added · Coverage added in the last 2 years · Carriers added · Carriers removed
The Advocacy Alliance
Named parties added · Named parties removed · Coverage added in the last 2 years · Coverage removed in the last 2 years · Carriers added · Carriers removed · Covered lives moved
Q Company, LLC
Comp % outside peer band
Scranton Counseling Center
Named parties added · Named parties removed · Coverage added in the last 2 years · Carriers added · Carriers removed · Reported premium moved · Broker tenure
Traditional Home Health And Hospice, LLC
Named parties added · Named parties removed · Carriers added · Covered lives moved · Reported premium moved · Broker tenure
Top Notch Distributors, Inc.
Named parties added · Named parties removed · Carriers added · Carriers removed · Reported premium moved
Deer Park Lumber, Inc.
Named parties added · Named parties removed · Carriers added · Comp % outside peer band

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