Welfare broker

BENEFIT FOUNDATIONS OF AMERICA

Mailing address (most recent filing)

122 PARISH DRIVE

WAYNE, NJ 07470

Total comp: $58K
Commissions: $58K
Fees: $0
Filings: 3
Sponsors: 3

Carrier mix

Where BENEFIT FOUNDATIONS OF AMERICA places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNUM LIFE INSURANCE COMPANY OF AMERICA50.0%
HORIZON HEALTHCARE SERVICES, INC.50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNUM LIFE INSURANCE COMPANY OF AMERICA	1	$180K	50.0%
HORIZON HEALTHCARE SERVICES, INC.	1	$2.8M	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
NJ	2	$3.0M	0.1%	46.37x

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 BENEFIT FOUNDATIONS OF AMERICA's plans by broker comp / premium ratio. Median 4.88% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where BENEFIT FOUNDATIONS OF AMERICA is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
GREENBAUM, ROWE, SMITH & DAVIS LLP GREENBAUM, ROWE , SMITH & DAVIS LLP EMPLOYEES HOSPITALIZATION PLAN	NJ	$2.8M	$43K	HORIZON HEALTHCARE SERVICES, INC. - HEALTH
GREENBAUM, ROWE, SMITH & DAVIS LLP GREENBAUM, ROWE, SMITH & DAVIS LLP LONG-TERM DISABILITY PLAN	NJ	$180K	$15K	UNUM LIFE INSURANCE COMPANY OF AMERICA

Carrier

Plans

Premium

UNUM LIFE INSURANCE COMPANY OF AMERICA

$180K

50.0%

HORIZON HEALTHCARE SERVICES, INC.

$2.8M

50.0%

State

Plans

Premium

State share

Index

$3.0M

0.1%

46.37x

Sponsor

Loc

Premium

Comp

Carrier

GREENBAUM, ROWE, SMITH & DAVIS LLP

GREENBAUM, ROWE , SMITH & DAVIS LLP EMPLOYEES HOSPITALIZATION PLAN

$2.8M

$43K

HORIZON HEALTHCARE SERVICES, INC. - HEALTH

GREENBAUM, ROWE, SMITH & DAVIS LLP

GREENBAUM, ROWE, SMITH & DAVIS LLP LONG-TERM DISABILITY PLAN

$180K

$15K

UNUM LIFE INSURANCE COMPANY OF AMERICA