Welfare broker

C&M FIRST SERVICES, INC.

Mailing address (most recent filing)

UNKNOWN

NEW YORK, NY 10022

Total comp: $603K
Commissions: $603K
Fees: $0
Filings: 3
Sponsors: 3

Carrier mix

Where C&M FIRST SERVICES, INC. places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNITEDHEALTHCARE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	1	$18.7M	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
NJ	1	$18.7M	0.0%	46.37x

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 C&M FIRST SERVICES, INC.'s plans by broker comp / premium ratio. Median 3.28% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of C&M FIRST SERVICES, INC.'s book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where C&M FIRST SERVICES, INC. is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
CCA CONSTRUCTION, INC. CCA CONSTRUCTION INC.	NJ	$18.7M	$614K	UNITEDHEALTHCARE INSURANCE COMPANY