Welfare broker

BGA ADVISORS

Mailing address (most recent filing)

195 CENTER STREET

AUBURB, ME 04210

Total comp: $60K
Commissions: $46K
Fees: $14K
Filings: 2
Sponsors: 2

Carrier mix

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

STARMOUNT LIFE INSURANCE COMPANY50.0%
HARVARD PILGRIM HEALTH CARE50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
STARMOUNT LIFE INSURANCE COMPANY	1	$150K	50.0%
HARVARD PILGRIM HEALTH CARE	1	$1.0M	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
ME	2	$1.2M	0.5%	296.27x

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 BGA ADVISORS's plans by broker comp / premium ratio. Median 7.68% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where BGA ADVISORS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
BUTLER BROTHER SUPPLY DIVISION, LLC BUTLER BROTHERS SUPPLY DIVISION, LLC CONSOLIDATED WELFARE BENEFITS PLAN	ME	$1.0M	$61K	HARVARD PILGRIM HEALTH CARE
TRI-COUNTY MENTAL HEALTH SERVICES TRI-COUNTY MENTAL HEALTH SERVICES WELFARE PLAN	ME	$150K	$14K	STARMOUNT LIFE INSURANCE COMPANY

Carrier

Plans

Premium

STARMOUNT LIFE INSURANCE COMPANY

$150K

50.0%

HARVARD PILGRIM HEALTH CARE

$1.0M

50.0%

State

Plans

Premium

State share

Index

$1.2M

0.5%

296.27x

Sponsor

Loc

Premium

Comp

Carrier

BUTLER BROTHER SUPPLY DIVISION, LLC

BUTLER BROTHERS SUPPLY DIVISION, LLC CONSOLIDATED WELFARE BENEFITS PLAN

$1.0M

$61K

HARVARD PILGRIM HEALTH CARE

TRI-COUNTY MENTAL HEALTH SERVICES

TRI-COUNTY MENTAL HEALTH SERVICES WELFARE PLAN

$150K

$14K

STARMOUNT LIFE INSURANCE COMPANY