Welfare broker

BENEFIT MGMT. SOLUTIONS

Mailing address (most recent filing)

PO BOX 2828

EAST SETAUKET, NY 117330863

Total comp: $544K
Commissions: $249K
Fees: $295K
Filings: 6
Sponsors: 6

Carrier mix

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

CIGNA HEALTH AND LIFE INSURANCE COMPANY66.7%
AETNA LIFE INSURANCE COMPANY33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
CIGNA HEALTH AND LIFE INSURANCE COMPANY	2	$9.6M	66.7%
AETNA LIFE INSURANCE COMPANY	1	$1.6M	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
NY	1	$2.4M	0.0%	6.61x
NJ	1	$1.6M	0.0%	15.46x
CO	1	$7.2M	0.1%	27.09x

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 MGMT. SOLUTIONS's plans by broker comp / premium ratio. Median 3.71% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

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

1-3 of 3 sponsors where BENEFIT MGMT. SOLUTIONS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
PARTNERS GROUP (USA) INC. PARTNERS GROUP (USA) INC. LIFE AND DISABILITY PLAN	CO	$7.2M	$267K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
SCHOOL OF VISUAL ARTS, LLC SCHOOL OF VISUAL ARTS, LLC WELFARE BENEFITS PLAN	NY	$2.4M	$119K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
ARC OF ESSEX COUNTY, INC. ARC OF ESSEX COUNTY, INC WELFARE BENEFIT PLAN	NJ	$1.6M	$6K	AETNA LIFE INSURANCE COMPANY

Carrier

Plans

Premium

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$9.6M

66.7%

AETNA LIFE INSURANCE COMPANY

$1.6M

33.3%

State

Plans

Premium

State share

Index

$2.4M

0.0%

6.61x

$1.6M

0.0%

15.46x

$7.2M

0.1%

27.09x

Sponsor

Loc

Premium

Comp

Carrier

PARTNERS GROUP (USA) INC.

PARTNERS GROUP (USA) INC. LIFE AND DISABILITY PLAN

$7.2M

$267K

CIGNA HEALTH AND LIFE INSURANCE COMPANY

SCHOOL OF VISUAL ARTS, LLC

SCHOOL OF VISUAL ARTS, LLC WELFARE BENEFITS PLAN

$2.4M

$119K

CIGNA HEALTH AND LIFE INSURANCE COMPANY

ARC OF ESSEX COUNTY, INC.

ARC OF ESSEX COUNTY, INC WELFARE BENEFIT PLAN

$1.6M

$6K

AETNA LIFE INSURANCE COMPANY