Welfare broker

A&B AGENCY

Mailing address (most recent filing)

PO BOX 14105

ALBANY, NY 12212

Total comp: $56K
Commissions: $22K
Fees: $34K
Filings: 4
Sponsors: 4

Carrier mix

Where A&B AGENCY places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

BLUE CROSS OF CALIFORNIA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	1	$3.8M	100.0%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
NY	1	$3.8M	0.0%	19.82x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of A&B AGENCY's plans by broker comp / premium ratio. Median 2.42% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of A&B AGENCY's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where A&B AGENCY is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
EXCELSIOR UNIVERSITY EXCELSIOR UNIVERSITY HEALTH INSURANCE PLAN	NY	$3.8M	$93K	HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC.