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Broker brief

Fourm Consulting, Inc.

12925 Perry Highway, Wexford, PA 15090 · EIN 25-1873283

Plan year 2023

Groups

Lives under management

3,328

Direct (A)

$286,169

Additional (C)

$81,420

Over time

Change across plan years

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

Series

Groups1

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

No change vs 2022

Δ Lives

−111 · −3.2% vs 2022

Added (0)

None

Dropped (0)

None

Placement peers

Similar placement

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

Onesource Benefit Solutions53% mix match · 8 groups · 1,756 lives

Lower Schedule C $/life vs this broker

C H Reams & Associates, Inc50% mix match · 10 groups · 3,304 lives

Lower Schedule C $/life vs this broker

Think differently

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

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

Medical: Blue Medicare Advantage (33%) vs your broker’s Highmark (33%)

Adp, Inc.0% mix match · 3 groups · 2,814 lives

Medical: Fidelity Security Life (33%) vs your broker’s Highmark (33%)

First Commonwealth Insurance Agency0% mix match · 10 groups · 2,807 lives

Medical: Upmc Health Options (50%) vs your broker’s Highmark (33%)

Bswift, LLC0% mix match · 4 groups · 4,294 lives

Medical: Cigna Health And Life Insurance Company (67%) vs your broker’s Highmark (33%)

Cummings Insurance Agency0% mix match · 20 groups · 2,306 lives

Medical: Highmark Inc. (50%) vs your broker’s Highmark (33%)

Coverage mix this year

Medical3

Life3

Dental2

Vision2

Other2

Stop-loss1

Appears alongside

Jubelirer, Pass & Interieri2

Albanese Sinchar Smith & Co.2

Emerson Rogers LLC1

Highmark1

Xpyria Investment Advisors1

Amy Haney1

Calibre Cpa Group, Pllc1

Phoenix Benefits Group, Inc.1

Delaware Valley Health Care Coalit.1

Relationships

Groups on this book in 2023

Employer	Lives
Solar Atmospheres, Inc.	330
Teamsters 261 And Employers	2342
Community Specialists Corporation	385
Bakery Drivers' Welfare Fund	271

Disruption in this book

Flagged groups

Solar Atmospheres, Inc.
Named parties added · Named parties removed · Reported premium moved · Comp % outside peer band
Teamsters 261 And Employers
Named parties added · Named parties removed · Coverage added in the last 2 years · Coverage removed in the last 2 years · Carriers added · Carriers removed · Broker tenure
Community Specialists Corporation
Reported premium moved · Broker tenure
Bakery Drivers' Welfare Fund
Named parties removed · Coverage added in the last 2 years · Carriers removed · Reported premium moved · Comp % outside peer band

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Employer

Lives

Solar Atmospheres, Inc.

330

Teamsters 261 And Employers

2342

Community Specialists Corporation

385

Bakery Drivers' Welfare Fund

271