Welfare broker

ANDREA STEARNS

Mailing address (most recent filing)

2310 LONGCREST AVE

BETHEL PARK, PA 15102

Total comp: $124K
Commissions: $122K
Fees: $2K
Filings: 17
Sponsors: 17

Carrier mix

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

BERKLEY LIFE AND HEALTH INSURANCE COMPANY50.0%
BLUE CROSS OF CALIFORNIA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BERKLEY LIFE AND HEALTH INSURANCE COMPANY	1	$953K	50.0%
BLUE CROSS OF CALIFORNIA	1	$3.1M	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
PA	2	$4.1M	0.0%	23.98x

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 ANDREA STEARNS's plans by broker comp / premium ratio. Median 3.31% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where ANDREA STEARNS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
PARAMOUNT HEALTH RESOURCES, INC. PARAMOUNT HEALTH RESOURCES, INC. WELFARE BENEFIT PLAN	PA	$3.1M	$167K	HIGHMARK INC
ST. BARNABAS HEALTH SYSTEM, INC ST. BARNABAS HEALTH SYSTEM INC HEALTH AND WELFARE PLAN	PA	$953K	$12K	BERKLEY LIFE AND HEALTH INSURANCE

Carrier

Plans

Premium

BERKLEY LIFE AND HEALTH INSURANCE COMPANY

$953K

50.0%

BLUE CROSS OF CALIFORNIA

$3.1M

50.0%

State

Plans

Premium

State share

Index

$4.1M

0.0%

23.98x

Sponsor

Loc

Premium

Comp

Carrier

PARAMOUNT HEALTH RESOURCES, INC.

PARAMOUNT HEALTH RESOURCES, INC. WELFARE BENEFIT PLAN

$3.1M

$167K

HIGHMARK INC

ST. BARNABAS HEALTH SYSTEM, INC

ST. BARNABAS HEALTH SYSTEM INC HEALTH AND WELFARE PLAN

$953K

$12K

BERKLEY LIFE AND HEALTH INSURANCE