Welfare broker

ASSOCIATED INS & FINANCIAL SERVICES

Mailing address (most recent filing)

28 MAIN STREET

TOWANADA, PA 18848

Total comp: $63K
Commissions: $63K
Fees: $0
Filings: 6
Sponsors: 6

Carrier mix

Where ASSOCIATED INS & FINANCIAL SERVICES places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA33.3%
BLUE CROSS OF CALIFORNIA33.3%
AFLAC33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$184K	33.3%
BLUE CROSS OF CALIFORNIA	1	$1.2M	33.3%
AFLAC	1	$7K	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
PA	2	$1.3M	0.0%	15.99x
NY	1	$7K	0.0%	6.61x

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 ASSOCIATED INS & FINANCIAL SERVICES's plans by broker comp / premium ratio. Median 6.93% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

Share of ASSOCIATED INS & FINANCIAL SERVICES's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-3 of 3 sponsors where ASSOCIATED INS & FINANCIAL SERVICES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
TYOGA CONTAINER COMPANY, INC. TYOGA CONTAINER COMPANY, INC. MEDICAL PLAN	PA	$1.2M	$44K	HIGHMARK, INC.
TYOGA CONTAINER COMPANY, INC. TYOGA CONTAINER COMPANY, INC. GROUP INSURANCE PLAN	PA	$184K	$13K	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA
AGRI-SERVICES HEALTH PLAN KANSAS INC AGRI-CARE HEALTH PLAN	NY	$7K	$690	AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS

Carrier

Plans

Premium

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

$184K

33.3%

BLUE CROSS OF CALIFORNIA

$1.2M

33.3%

AFLAC

$7K

33.3%

State

Plans

Premium

State share

Index

$1.3M

0.0%

15.99x

$7K

0.0%

6.61x

Sponsor

Loc

Premium

Comp

Carrier

TYOGA CONTAINER COMPANY, INC.

TYOGA CONTAINER COMPANY, INC. MEDICAL PLAN

$1.2M

$44K

HIGHMARK, INC.

TYOGA CONTAINER COMPANY, INC.

TYOGA CONTAINER COMPANY, INC. GROUP INSURANCE PLAN

$184K

$13K

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

AGRI-SERVICES HEALTH PLAN KANSAS INC

AGRI-CARE HEALTH PLAN

$7K

$690

AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS