Welfare broker

BRADLEY S RUPPEL

Mailing address (most recent filing)

70 VICTORIA DR

HILTON HEAD ISLAND, SC 29926

Total comp: $97K
Commissions: $12K
Fees: $85K
Filings: 20
Sponsors: 20

Carrier mix

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

EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA75.0%
CIGNA HEALTH AND LIFE INSURANCE COMPANY25.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA	3	$101K	75.0%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$1.8M	25.0%

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
NY	4	$1.9M	0.1%	19.82x

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 BRADLEY S RUPPEL's plans by broker comp / premium ratio. Median 14.45% vs welfare-wide median 6.29% (n=4).

Prospect-flag exposure · vs market baseline

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

1-4 of 4 sponsors where BRADLEY S RUPPEL is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
POWER-FLO TECHNOLOGIES INC. DBA UNITED ELECTRIC POWER POWER-FLO TECHNOLOGIES, INC DBA UNITED ELECTRIC POWER EMPLOYEE GROUP HEALTH PLAN	NY	$1.8M	$122K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
POWER-FLO TECHNOLOGIES INC. DBA UNITED ELECTRIC POWER EQUITABLE LTD	NY	$32K	$5K	EQUITABLE FINANCIAL LIFE INSURANCE COMPANY
POWER-FLO TECHNOLOGIES INC. DBA UNITED ELECTRIC POWER EQUITABLE GROUP LIFE	NY	$35K	$5K	EQUITABLE FINANCIAL LIFE INSURANCE COMPANY
POWER-FLO TECHNOLOGIES INC. DBA UNITED ELECTRIC POWER EQUITABLE AD&D	NY	$35K	$5K	EQUITABLE FINANCIAL LIFE INSURANCE COMPANY

Carrier

Plans

Premium

EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA

$101K

75.0%

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$1.8M

25.0%

State

Plans

Premium

State share

Index

$1.9M

0.1%

19.82x

Sponsor

Loc

Premium

Comp

Carrier

POWER-FLO TECHNOLOGIES INC. DBA UNITED ELECTRIC POWER

POWER-FLO TECHNOLOGIES, INC DBA UNITED ELECTRIC POWER EMPLOYEE GROUP HEALTH PLAN

$1.8M

$122K

CIGNA HEALTH AND LIFE INSURANCE COMPANY

POWER-FLO TECHNOLOGIES INC. DBA UNITED ELECTRIC POWER

EQUITABLE LTD

$32K

$5K

EQUITABLE FINANCIAL LIFE INSURANCE COMPANY

POWER-FLO TECHNOLOGIES INC. DBA UNITED ELECTRIC POWER

EQUITABLE GROUP LIFE

$35K

$5K

EQUITABLE FINANCIAL LIFE INSURANCE COMPANY

POWER-FLO TECHNOLOGIES INC. DBA UNITED ELECTRIC POWER

EQUITABLE AD&D

$35K

$5K

EQUITABLE FINANCIAL LIFE INSURANCE COMPANY