CUBESMART LP

5 OLD LANCASTER RD
MALVERN, PA 19355

Talking Points

Experience Mod Rating

Mod is an indication of how risky a company is to insure. It is based on a company's claim history.

Experience Mod is in-line with peers, in the 64th percentile.
There was a recent mod increase.

Needs Attention

LCM Rate

LCMs have the largest effect on your WC costs. Carriers file LCM's which are multiplied with the state approved Loss Costs for your employment classifications to create your policy rates. Carrier Groups have several Carrier Tier's each with their own filing, allowing their underwriters to price aggressively to overly prudent depending on the risk.

The LCM of the Current Carrier is Very Good, in the 12th percentile compared to peers.
In the last year, LCM Decreased by 33%. While peers Increased an average of 2%.

Good

Market Competitiveness

We measure relative change (when a business chooses a different WC provider), and market share distribution over a rolling 24 months as compared to it's industry and state level activity to determine how competitive carriers are for your class of business.

17% of peers have changed carriers since last year.
Current Carrier's market share is in the 99th percentile at 11.6% of the market.

Good

Similar Businesses

WEXFORD EQUITIES LLC

LAN-Chester Sheds & Gazebos LLC

Clover Mill Properties LLC

National Hemophilia Foundation

Robert C Stead Insurance Agency

Paladin Consulting Group Inc

Business Stats

Policy History

Term		Carrier	Premium	LCM
2024				1.676
2024				2.107
2024				1.310
2024				2.316
2024				-
2024				1.633
2024				0.960
2024				1.650
2024				-
2024				-
2024				-
2024				0.913
2024				0.852
2024				1.009
2024				0.875
2024				1.000
2024				1.000
2024				-
2023				1.676
2023				2.110
2023				1.310
2023				2.316
2023				-
2023				1.633
2023				0.960
2023				1.650
2023				-
2023				0.942
2023				-
2023				0.913
2023				1.015
2023				1.084
2023				1.300
2023				0.724
2023				0.926
2023				0.852
2023				0.852
2023				1.009
2023				1.015
2023				0.875
2023				1.000
2023				1.000
2023				1.000
2022				1.728
2022				2.140
2022				2.316
2022				1.310
2022				-
2022				1.633
2022				1.280
2022				1.650
2022				-
2022				0.926
2022				-
2022				0.913
2022				2.452
2022				1.300
2022				1.310
2022				1.235
2022				0.852
2022				1.139
2022				1.505
2022				0.874
2022				1.160
2022				1.000
2021				1.787
2021				2.110
2021				2.316
2021				1.314
2021				-
2021				1.633
2021				1.356
2021				1.650
2021				1.232
2021				-
2021				-
2021				1.353
2021				1.335
2021				1.260
2021				1.235
2021				0.994
2021				-
2021				1.025
2021				1.301
2021				1.505
2021				0.876
2021				1.160
2021				1.035
2020				-
2020				1.787
2020				2.316
2020				1.314
2020				-
2020				1.356
2020				1.650
2020				1.232
2020				-
2020				-
2020				1.314
2020				1.335
2020				1.260
2020				1.235
2020				-
2020				1.052
2020				1.301
2020				1.359
2020				0.876
2020				1.162
2020				1.433
2020				-
2019				-
2019				1.907
2019				-
2019				2.316
2019				1.314
2019				1.640
2019				-
2019				1.314
2019				-
2019				1.260
2019				1.235
2019				-
2019				1.052
2019				1.301
2019				1.359
2019				1.162
2019				1.433
2019				1.433
2018				-
2018				1.907
2018				-
2018				1.200
2018				1.640
2018				-
2018				1.314
2018				-
2018				-
2018				1.164
2018				-
2018				1.052
2018				1.359
2018				1.120
2018				2.255
2018				1.433
2017				1.907
2017				-
2017				-
2017				1.200
2017				-
2017				-
2017				1.110
2017				-
2017				1.052
2017				1.359
2017				1.013
2017				2.255
2017				1.433
2016				-
2016				-
2016				-
2016				1.000
2016				-
2016				1.110
2016				-
2016				1.052
2016				1.359
2016				1.013
2016				1.711
2016				1.433
2015				-
2015				-
2015				-
2015				1.000
2015				-
2015				1.110
2015				-
2015				1.359
2015				-
2015				-
2015				1.433
2014				-
2014				-
2014				-
2014				1.000
2014				-
2014				1.110
2014				-
2014				-
2013				-
2013				1.000
2013				-
2013				1.000
2013				1.110
2013				-
2013				-
2013 05-15-2013				-
2012 05-15-2012				-
2012 05-15-2012				-
2012 05-15-2012				-
2012 05-15-2012				-
2011				-
2011 05-15-2011				-
2010				-
2009				-

Contacts

Onznm Givyxl

Owner

(186) 769-4621

guthz@iokthrudfok.oon

Zwm Bgzajudq

Chief Executive Officer

(494) 542-1812

zlmsmetcm@fbikdks.jj.av

Mbrpq Glqn

Vice President, Investments

(790) 482-3643

zilyo@biwvxtljv.wep

Mhhia O'vqcgb

Branch Manager

(042) 699-0305

gcsm@joqygypkx.wps

Rtknl Tvnq

President

(441) 491-9317

djwyl@rcooyhilsmb.okn

Yeiwa Fzwttm

Domain Registrant

(923) 915-4389

zsxjdwq@joafge.euq

Ndsfx T Cgecedpe

Principal

(573) 347-0760

tasyetaxqucgr@kpnzday.zuq

SFDTS NBLVIZTKW

(430) 783-8037

kasumzwyjq@yofmkglxf.zpt

TQXX PTWBRI

Benefits Admin

(643) 729-0501

da2

VEASETM NYAHFQ

Benefits Admin

(275) 079-9441

fee

Jjvr Vwmzhc

Owner

(821) 166-8022

c3ec8

Qtcnuhl Gdbtdnq

Owner

(521) 666-4697

3342f

876

(289) 850-1503

rupjd6690@sqchhradq.kej

01b

(598) 734-3586

hsuufzvb@wawbtdabz.fcx

194

(797) 401-5676

bkfelfrj@bjfihdiyc.scn

bac

giuy.vvyklxoowuhc@xonfi.lnz

Brgif Cwuwcigd

President

(212) 532-4351

c7b4f

Ofijxs Nobkf

Branch Manager

(779) 721-3002

24357

Mtfzs Qyahfdf

Manager

(886) 027-7111

d2 ff

Nvfusi Ewtas

Branch Manager

(141) 220-8691

f9ce

Fvzb Ujcjdpx

Branch Manager

(735) 989-2915

82cf5

Ueodpzq Tsrss

Principal

(807) 149-3723

52ca

(095) 081-6422

xfrfd@cagdxyvfqyqoaf.jvm

Gnyfrw Kpyehdp

Accountant

(773) 692-6010

553

Xohkthxqv fbx

(243) 463-7928

acd9e

Qfcavh Adnsehv

Branch Manager

(906) 953-3624

327

Uwi Vmxytz

Manager

(387) 408-6573

773

Swlmiyl Sjbjb

Principal

(792) 294-9844

fc7c

Tydpaaa Pfdffldvoxcwl

Chairman

(800) 059-4236

acc

(414) 252-9894

2f4

(614) 179-8516

7de

83d

(561) 015-5094

3dcfc

9e8

(487) 558-7760

77ef9

(967) 051-5271

8c74

(076) 883-4072

5 c2e

(404) 425-7032

cdb5e

(564) 177-3492

cfc

(677) 894-9484

ba42

860

(070) 703-2822

caee

(196) 270-3211

d5e8

(574) 649-2716

2e375

(438) 952-5173

e4a79

(022) 561-8504

3ee5

(009) 050-5233

a527d

(843) 651-6010

f3cc

Xzv Cswcjrkwcrv Fufzyqj

Registered Agent

eb37

58c

(019) 401-2650

57f5

Industry Classification

Retirement Benefits

Financials

	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
BOY Assets:	$ 45,588,699	$ 75,310,637	$ 19,820,613	$ 83,778,388	$ 62,908,435	$ 93,207,856	$ 9,979,725	$ 70,741,696	$ 35,414,810	$ 7,463,818	$ 4,472,167	$ 5,537,688	$ 8,069,039
Liabilities:	$ 0	$ 36			$ 3			$ 8	$ 23				$ 49
EE Contrib:	$ 4,819,268	$ 2,543,594	$ 5,664,041	$ 5,335,765	$ 4,525,386	$ 6,845,287	$ 8,130,613	$ 4,025,164	$ 8,260,854	$ 6,300,242	$ 2,307,510	$ 7,016,970	$ 7,790,867
Emp Contrib:	$ 1,646,146	$ 5,351,164	$ 5,170,695	$ 7,950,582	$ 6,564,811	$ 411,266	$ 456,000	$ 675,467	$ 819,240	$ 787,318	$ 939,762	$ 812,733	$ 272,230
Income/Loss:	($ 8,672,953)	$ 6,089,610	$ 4,844,879	$ 6,107,483	($ 8,102,320)	$ 4,743,193	$ 998,128	($ 693,319)	$ 429,974	$ 8,820,833	$ 777,779	($ 970,206)	$ 965,522
Total Income:	($ 1,487,778)	$ 53,727,848	$ 10,521,905	$ 71,019,716	$ 5,407,958	$ 2,498,588	$ 4,046,476	$ 1,364,319	$ 3,212,774	$ 5,048,148	$ 4,005,120	$ 9,522,260	$ 2,720,293
Paid Benefits:	$ 6,137,278	$ 7,221,655	$ 8,911,295	$ 9,588,520	$ 2,453,101	$ 7,152,994	$ 6,959,245	$ 2,498,326	$ 5,537,142	$ 5,771,620	$ 701,563	$ 24,434	$ 567,311
Expenses:	$ 0	$ 8	$ 9	$ 1	$ 34		$ 0		$ 0		$ 7
Commission:	$ 196,411	$ 863,403	$ 90,200	$ 264,600	$ 136,532	$ 38,918	$ 775,600	$ 503,263	$ 80,663	$ 46,303	$ 54,156	$ 74,834	$ 89,218
Net Income:	($ 7,821,467)	$ 2,801,807	$ 3,550,347	$ 5,842,446	$ 388,714	$ 7,532,627	$ 763,427	$ 7,891,949	$ 7,692,002	$ 6,325,052	$ 263,601	$ 763,273	$ 9,226,103
Net Assets:	$ 37,767,232	$ 2,458,227	$ 94,241,232	$ 81,670,024	$ 81,611,653	$ 35,929,671	$ 24,642,265	$ 77,586,062	$ 865,506	$ 75,099,364	$ 8,920,215	$ 2,219,000	$ 2,822,198

Participants

	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Total Participants:	3198	0985	1212	7654	4433	2536	1346	9938	5399	6327	0128	8776	8632
Active Part.:	2327	6522	2604	9395	2595	3408	8767	7367	7386	2347	8823	0980	7830
Retired Part.:	234	f	8fd	f3c	d	7	7	6	4	2	7	5	8
Deceased Part.:	4	9	5	9	8	f 5	a	1	9	6	8	b	54

Insurance

No Insurance Coverage

Providers

EXPCT BRCAN PO BOX 8480 BOSTON, MA 02266
OKWQWMNW HOAHU PO BOX 6007 INDIANAPOLIS, IN 46206
BVXWTFWH YSDDQJMIX 720 SW WASHINGTON STREET SUITE 650 PORTLAND, OR 97205
KMGDHVFLYBM KWXP VYPMYVXR 6300 BEE CAVE ROAD BUILDING ONE AUSTIN, TX 78746
CRAVW YRQEI PO BOX 55932 BOSTON, MA 02205
CP UROOJG 270 PARK AVENUE NEW YORK, NY 10017
JZA LHDDJKKKGRIF WEM PO BOX 55824 BOSTON, MA 02205
LBSXSBKG RJKQTLEUO HLXJ 100 VANGUARD BLVD MALVERN, PA 19355
S AVDK IRNIC CCC WCX 100 EAST PRATT STREET BALTIMORE, MD 21202	Recordkeeping and information management (computing, tabulating, data processing, etc.) Trustee (bank, trust company or similar financial institution) Trustee (directed) Investment management Participant communication Other services Direct payment from the plan Investment management fees paid indirectly by plan Shareholder servicing fees Float revenue Recordkeeping fees Account maintenance fees	Compensation:$168,361 Relation:NONE
LKUWIUT JPBO 1900 FIFTH AVENUE NORTH BIRMINGHAM, AL 35203	Consulting (general) Direct payment from the plan	Compensation:$34,999 Relation:NONE
X BWEM ZVIMY QDC FNN Source: JP MORGAN MID CAP VALUE L	Recordkeeping and information management (computing, tabulating, data processing, etc.) Trustee (bank, trust company or similar financial institution) Trustee (directed) Investment management Participant communication Other services Direct payment from the plan Investment management fees paid indirectly by plan Shareholder servicing fees Float revenue Recordkeeping fees Account maintenance fees	Compensation:FEE FOR SHAREHOLDER SERVICING BASED UPON 0.1%
T TEKQ KWZSL KCP EQT Source: ALGER CAPITAL APPREC INST I	Recordkeeping and information management (computing, tabulating, data processing, etc.) Trustee (bank, trust company or similar financial institution) Trustee (directed) Investment management Participant communication Other services Direct payment from the plan Investment management fees paid indirectly by plan Shareholder servicing fees Float revenue Recordkeeping fees Account maintenance fees	Compensation:FEE FOR SHAREHOLDER SERVICING BASED UPON 0.5%
Z ZOVN WWNLE QXK MWE Source: COLUMBIA TOTAL RET BD INSTL 2	Recordkeeping and information management (computing, tabulating, data processing, etc.) Trustee (bank, trust company or similar financial institution) Trustee (directed) Investment management Participant communication Other services Direct payment from the plan Investment management fees paid indirectly by plan Shareholder servicing fees Float revenue Recordkeeping fees Account maintenance fees	Compensation:FEE FOR SHAREHOLDER SERVICING BASED UPON 0.1%

Features

2F - ERISA section 404(c) Plan - This plan, or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1.

2G - Total participant-directed account plan - Participants have the opportunity to direct the investment of all the assets allocated to their individual accounts, regardless of whether 29 CFR 2550.404c-1 is intended to be met.

2J - Code section 401(k) feature - A cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan that provides for an election by employees to defer part of their compensation or receive these amounts in cash.

2K - Stock bonusCode section 401(m) arrangement - Employee contributions are allocated to separate accounts under the plan or employer contributions are based, in whole or in part, on employee deferrals or contributions to the plan. Not applicable if plan is 401(k) plan with only QNECs and/or QMACs. Also not applicable if Code section 403(b)(1), 403(b)(7) or 408 arrangements/accounts/annuities.

2R - Participant-directed brokerage accounts provided as an investment option under the plan.

2S - Plan provides for automatic enrollment in plan that has employee contributions deducted from payroll.

2T - Total or partial participant-directed account plan - plan uses default investment account for participants who fail to direct assets in their account.

Health Benefits

Financials

	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
BOY Assets:	$ 0		$ 4	$ 730			$ 4	$ 89	$ 4	$ 9	$ 5		$ 8
Liabilities:	$ 0		$ 9	$ 2			$ 0		$ 7		$ 7	$ 9
EE Contrib:	$ 0	$ 922		$ 3	$ 3			$ 19	$ 1			$ 9
Emp Contrib:	$ 0	$ 4							$ 31				$ 3
Income/Loss:	$ 0	$9,000,000,000				$ 0				$ 2	$ 98		$ 98
Total Income:	$ 0		$ 0			$ 0		$ 7	$ 9			$ 6	$ 9
Paid Benefits:	$ 0	$ 8	$ 6			$ 976	$ 7		$ 3	$ 49	$ 76	$ 6
Expenses:	$ 0	$ 976		$ 2			$ 74	$ 30		$ 1		$ 4	$ 41
Commission:	$ 0		$ 8	$ 496	$ 13		$ 3	$ 8	$ 7	$ 8		$ 73
Net Income:	$ 0				$ 21	$ 0	$ 5	$ 89	$ 0				$ 5
Net Assets:	$ 0			$ 5	$ 5	$ 6		$ 11	$ 9			$ 1	$ 73

Participants

	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Total Participants:	2463	2755	7172	6752	2198	4371	3283	3117	9258	7602	8594	8021	5651
Active Part.:	2463	6446	8579	2443	0491	0293	0233	9130	7171	3054	1260	6016	9638
Retired Part.:		0	64	75	8	0	dd	18	7	96	c63	6	c4c
Deceased Part.:		8a	5f	70	d	9f	b50	0f0	6	ff	9e	f0	dfd

Insurance

Brokers
YUVZVTDLSNFBJSCE DRSFDDASJ UDHIIWP Renewal:12-31-2022 Covered:2454 Vision	Retention: $ 0 Claims: $ 0 Loss Ratio:	Exp Rated Premium $ 0 Non-Exp Rated Premium: $ 149,645 Commission9.24% $ 13,832 Fees2.45% $ 3,671
BGOFHOFAN NCEPINH WKWOGZWJ, RGH. AH KHY 7339 DYFEHTEJU DZKTZJV, VH 76824		Commission$13,835 Fees$0
SRMPXRTBM JBYAAEY MWKSQSRN, FQL. 4378 INOH LLAB, 3KO UUBZR CHXTNDA YPYSVNB, PD 46952		Commission$0 Fees$3,671 Fee for:BONUS
PYXPYZRBQ NFNOANRWI TASND KCZ 9 JWCFWWXF UWIPS, HILSM 548 PJSQRF, JQ 44503		Commission-$4 Fees$0
ZJYAQFCJ SHQVCPHJVFC Renewal:12-31-2022 Covered:3100 EMPLOYEE ASSISTANCE PROGRAM	Retention: $ 0 Claims: $ 0 Loss Ratio:	Exp Rated Premium $ 0 Non-Exp Rated Premium: $ 51,336 Commission0% $ 0 Fees0% $ 0
QXNTAJWEJW LZVCPKLLH QQKEOHX MY XEWRRUS Renewal:12-31-2022 Covered:2463 Life Insurance Temp. Disability Insurance Long Term Disab. Ins ACCIDENTAL DEATH AND DISMEMBERMENT	Retention: $ 0 Claims: $ 0 Loss Ratio:	Exp Rated Premium $ 0 Non-Exp Rated Premium: $ 1,210,266 Commission16.17% $ 195,688 Fees0% $ 0
Brokers
KMIZLS DCFGSTXLJ PVFRPRJEC UXJ. 02 BURH XBXREH JRZMTK, 8GZ KSWSO ANTFP, VL 65560		Commission$195,688 Fees$0
UAMTX LLKI NGCXJJCYW WPLHWRJ Renewal:12-31-2022 Covered:2604 Dental	Retention: $ 0 Claims: $ 0 Loss Ratio:	Exp Rated Premium $ 0 Non-Exp Rated Premium: $ 741,140 Commission4.61% $ 34,181 Fees0.03% $ 193
Brokers
ZULNOVHVI YABHRTT SAULLCHL, XJE. 8 RQOVLM JTCHRICFI KKWPAO URCUWK, QN 17274		Commission$34,181 Fees$193 Fee for:INDIRECT COMPENSATION

Providers

No Providers

Features

4A - Health (other than vision or dental).

4B - Life insurance.

4D - Dental.

4E - Vision.

4F - Temporary disability (accident and sickness).

4H - Long-term disability.

4L - Death benefits (include travel accident but not life insurance).

4Q - Other.

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CUBESMART LP

5 OLD LANCASTER RD MALVERN, PA 19355

Talking Points

Experience Mod Rating

LCM Rate

Market Competitiveness

Similar Businesses

Business Stats

Policy History GA IL NV TX CO VT OK AL AZ CT FL KY NH OR SC TN VA OH MD ME MN MO NC PA NJ NY

Contacts

Industry Classification

Retirement Benefits

Financials

Participants

Insurance

Providers

Features

Health Benefits

Financials

Participants

Insurance

Providers

Features

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5 OLD LANCASTER RD
MALVERN, PA 19355

Policy History