Welfare broker

C.E.S. INSURANCE AGENCY

Mailing address (most recent filing)

29 SAWYER RD

WALTHAM, MA 02453

Total comp: $8K
Commissions: $8K
Fees: $369
Filings: 3
Sponsors: 3

Carrier mix

Where C.E.S. INSURANCE AGENCY places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNUM LIFE INSURANCE COMPANY OF AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNUM LIFE INSURANCE COMPANY OF AMERICA	1	$16K	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
IL	1	$16K	0.0%	28.47x

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.E.S. INSURANCE AGENCY's plans by broker comp / premium ratio. Median 19.11% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of C.E.S. INSURANCE AGENCY's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where C.E.S. INSURANCE AGENCY is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
HELLER FORD SALES, INC. HELLER FORD LIFE INSURANCE PLAN	IL	$16K	$3K	UNUM LIFE INSURANCE COMPANY OF AMERICA