Welfare broker

AFS AGENCY

Mailing address (most recent filing)

185 GENESEE ST STE 210

UTICA, NY 13501

Carrier mix

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

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	3	$4.4M	60.0%
METROPOLITAN LIFE INSURANCE COMPANY	1	$14K	20.0%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$11K	20.0%

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	5	$4.5M	0.1%	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 AFS AGENCY's plans by broker comp / premium ratio. Median 5.05% vs welfare-wide median 6.29% (n=5).

Prospect-flag exposure · vs market baseline

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

1-5 of 5 sponsors where AFS AGENCY is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ADIRONDACK BANK ADIRONDACK BANK MEDICAL PLAN	NY	$2.0M	$71K	EXCELLUS BLUE CROSS BLUE SHIELD
FIBER INSTRUMENT SALES, INC. FIBER INSTRUMENT SALES HEALTH INSURANCE PLAN	NY	$1.5M	$55K	EXCELLUS BLUE CROSS BLUE SHIELD
MORRISVILLE AUXILIARY OF STATE UNIV OF AG & TECH AT MORRISVILLE, NY MORRISVILLE AUXILIARY HOSPITAL PLAN INC.	NY	$952K	$48K	EXCELLUS BLUE CROSS BLUE SHIELD
FIBER INSTRUMENT SALES, INC. FIBER INSTRUMENT SALES VISION PLAN	NY	$14K	$1K	METROPOLITIAN LIFE INSURANCE COMPANY
FIBER INSTRUMENT SALES, INC. FIBER INSTRUMENT SALES DENTAL PLAN	NY	$11K	$1K	GUARDIAN