Welfare broker

ASD INSURANCE AND FINANCIAL SERVICE

Mailing address (most recent filing)

3450 LAKESIDE DRIVE

SUITE 400

MIRAMAR, FL 33027

Total comp: $178K
Commissions: $176K
Fees: $2K
Filings: 30
Sponsors: 30

Carrier mix

Where ASD INSURANCE AND FINANCIAL SERVICE places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNITEDHEALTHCARE INSURANCE COMPANY33.3%
AMERICAN UNITED LIFE INSURANCE COMPANY33.3%
UNITED OF OMAHA LIFE INSURANCE COMPANY33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	1	$2.1M	33.3%
AMERICAN UNITED LIFE INSURANCE COMPANY	1	$255K	33.3%
UNITED OF OMAHA LIFE INSURANCE COMPANY	1	$173K	33.3%

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
OH	1	$255K	0.0%	2.57x
NY	1	$2.1M	0.0%	6.61x
CA	1	$173K	0.0%	4.25x

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 ASD INSURANCE AND FINANCIAL SERVICE's plans by broker comp / premium ratio. Median 10.57% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

Share of ASD INSURANCE AND FINANCIAL SERVICE's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-3 of 3 sponsors where ASD INSURANCE AND FINANCIAL SERVICE is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
FAMILY SERVICES OF WESTCHESTER, INC. FAMILY SERVICES OF WESTCHESTER BENEFITS PLAN	NY	$2.1M	$99K	UNITEDHEALTHCARE INSURANCE COMPANY
KERN, INC. KERN, INC. HEALTH AND WELFARE PLAN	OH	$255K	$27K	AMERICAN UNITED LIFE INSURANCE COMPANY
FISHER HOLDINGS, INC. FISHER HOLDINGS WELFARE BENEFIT PLAN	CA	$173K	$19K	UNITED OF OMAHA LIFE INSURANCE COMPANY

Carrier

Plans

Premium

UNITEDHEALTHCARE INSURANCE COMPANY

$2.1M

33.3%

AMERICAN UNITED LIFE INSURANCE COMPANY

$255K

33.3%

UNITED OF OMAHA LIFE INSURANCE COMPANY

$173K

33.3%

State

Plans

Premium

State share

Index

$255K

0.0%

2.57x

$2.1M

0.0%

6.61x

$173K

0.0%

4.25x

Sponsor

Loc

Premium

Comp

Carrier

FAMILY SERVICES OF WESTCHESTER, INC.

FAMILY SERVICES OF WESTCHESTER BENEFITS PLAN

$2.1M

$99K

UNITEDHEALTHCARE INSURANCE COMPANY

KERN, INC.

KERN, INC. HEALTH AND WELFARE PLAN

$255K

$27K

AMERICAN UNITED LIFE INSURANCE COMPANY

FISHER HOLDINGS, INC.

FISHER HOLDINGS WELFARE BENEFIT PLAN

$173K

$19K

UNITED OF OMAHA LIFE INSURANCE COMPANY