Welfare broker

ADIRONDACK TRUST COMPANY

Mailing address (most recent filing)

31 CHURCH STREET

4TH FLOOR

SARATOGA SPRINGS, NY 12866

Total comp: $260K
Commissions: $254K
Fees: $5K
Filings: 3
Sponsors: 3

Carrier mix

Where ADIRONDACK TRUST COMPANY places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

HARTFORD LIFE AND ACCIDENT100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
HARTFORD LIFE AND ACCIDENT	1	$3.5M	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	$3.5M	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 ADIRONDACK TRUST COMPANY's plans by broker comp / premium ratio. Median 7.34% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of ADIRONDACK TRUST COMPANY's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where ADIRONDACK TRUST COMPANY is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
SARATOGA HOSPITAL THE SARATOGA HOSPITAL GROUP BENEFIT PLAN	NY	$3.5M	$259K	HARTFORD LIFE AND ACCIDENT