Welfare broker

ANTHONY P CARRO CLU

Mailing address (most recent filing)

7 WESTBROOK DRIVE

MORGANVILLE, NJ 07751

Total comp: $131K
Commissions: $131K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

Where ANTHONY P CARRO CLU places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK50.0%
CIGNA HEALTH AND LIFE INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK	1	$94K	50.0%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$1.6M	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
NY	2	$1.7M	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 ANTHONY P CARRO CLU's plans by broker comp / premium ratio. Median 13.13% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of ANTHONY P CARRO CLU's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where ANTHONY P CARRO CLU is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
S&K DISTRIBUTION LLC S&K DISTRIBUTION LLC MEDICAL BENEFIT PLAN	NY	$1.6M	$185K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
S&K DISTRIBUTION LLC S&K DISTRIBUTION LLC LIFE AND ACCIDENT BENEFIT PLAN	NY	$94K	$14K	NEW YORK LIFE GROUP INSURANCE COMPANY OF NY

Carrier

Plans

Premium

NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK

$94K

50.0%

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$1.6M

50.0%

State

Plans

Premium

State share

Index

$1.7M

0.0%

19.82x

Sponsor

Loc

Premium

Comp

Carrier

S&K DISTRIBUTION LLC

S&K DISTRIBUTION LLC MEDICAL BENEFIT PLAN

$1.6M

$185K

CIGNA HEALTH AND LIFE INSURANCE COMPANY

S&K DISTRIBUTION LLC

S&K DISTRIBUTION LLC LIFE AND ACCIDENT BENEFIT PLAN

$94K

$14K

NEW YORK LIFE GROUP INSURANCE COMPANY OF NY