Welfare broker

BUFLIFE AGENCY INC

Mailing address (most recent filing)

300 CORPORATE PARKWAY

AMHERST, NY 14226

Total comp: $150K
Commissions: $132K
Fees: $18K
Filings: 5
Sponsors: 5

Carrier mix

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

BLUE CROSS OF CALIFORNIA66.7%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	2	$6.3M	66.7%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$272K	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	3	$6.6M	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 BUFLIFE AGENCY INC's plans by broker comp / premium ratio. Median 3.66% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

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

1-3 of 3 sponsors where BUFLIFE AGENCY INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
MONROE COUNTY BAR ASSOCIATION MONROE COUNTY BAR ASSOCIATION EMPLOYEE BENEFIT TRUST	NY	$1.8M	$65K	EXCELLUS BLUE CROSS/BLUE SHIELD
BAR ASSOCIATION OF ERIE COUNTY TRUSTEES ERIE COUNTY BAR ASSOCIATION EMPLOYEE BENEFIT TRUST	NY	$4.5M	$63K	HIGHMARK BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK
MGA RESEARCH CORPORATION MGA RESEARCH CORPORATION GROUP INSURANCE PLAN	NY	$272K	$11K	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

Carrier

Plans

Premium

BLUE CROSS OF CALIFORNIA

$6.3M

66.7%

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

$272K

33.3%

State

Plans

Premium

State share

Index

$6.6M

0.1%

19.82x

Sponsor

Loc

Premium

Comp

Carrier

MONROE COUNTY BAR ASSOCIATION

MONROE COUNTY BAR ASSOCIATION EMPLOYEE BENEFIT TRUST

$1.8M

$65K

EXCELLUS BLUE CROSS/BLUE SHIELD

BAR ASSOCIATION OF ERIE COUNTY

TRUSTEES ERIE COUNTY BAR ASSOCIATION EMPLOYEE BENEFIT TRUST

$4.5M

$63K

HIGHMARK BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK

MGA RESEARCH CORPORATION

MGA RESEARCH CORPORATION GROUP INSURANCE PLAN

$272K

$11K

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA