Welfare broker

BLUE HORIZONS BENEFITS

Mailing address (most recent filing)

491 MAPLE ST

DANVERS, MA 01923

Total comp: $61K
Commissions: $56K
Fees: $5K
Filings: 1
Sponsors: 1

Carrier mix

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

HARVARD PILGRIM HEALTH CARE100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
HARVARD PILGRIM HEALTH CARE	1	$4.5M	100.0%

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
NH	1	$4.5M	0.2%	282.51x

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 BLUE HORIZONS BENEFITS's plans by broker comp / premium ratio. Median 2.23% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where BLUE HORIZONS BENEFITS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
THE CROSBY COMPANY OF NEW HAMPSHIRE LLC THE CROSBY COMPANY OF NEW HAMPSHIRE LLC EMPLOYEE BENEFITS	NH	$4.5M	$100K	HPHC INSURANCE COMPANY