Welfare broker

AMERICAS BENEFIT, INC.

Mailing address (most recent filing)

1056 ROUTE 519

EIGHTY FOUR, PA 15334

Total comp: $18K
Commissions: $18K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

Where AMERICAS BENEFIT, INC. places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNUM LIFE INSURANCE COMPANY OF AMERICA50.0%
STARMOUNT LIFE INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNUM LIFE INSURANCE COMPANY OF AMERICA	1	$93K	50.0%
STARMOUNT LIFE INSURANCE COMPANY	1	$78K	50.0%

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
NC	2	$170K	0.1%	47.73x

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 AMERICAS BENEFIT, INC.'s plans by broker comp / premium ratio. Median 15.84% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where AMERICAS BENEFIT, INC. is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
CRG CORPORATION CRG CORPORATION HEALTH PLAN	NC	$78K	$15K	STARMOUNT LIFE INSURANCE COMPANY
CRG CORPORATION CRG CORPORATION LIFE AND DISABILITY PLAN	NC	$93K	$12K	UNUM LIFE INSURANCE COMPANY OF AMERICA

Carrier

Plans

Premium

UNUM LIFE INSURANCE COMPANY OF AMERICA

$93K

50.0%

STARMOUNT LIFE INSURANCE COMPANY

$78K

50.0%

State

Plans

Premium

State share

Index

$170K

0.1%

47.73x

Sponsor

Loc

Premium

Comp

Carrier

CRG CORPORATION

CRG CORPORATION HEALTH PLAN

$78K

$15K

STARMOUNT LIFE INSURANCE COMPANY

CRG CORPORATION

CRG CORPORATION LIFE AND DISABILITY PLAN

$93K

$12K

UNUM LIFE INSURANCE COMPANY OF AMERICA