Welfare broker

CARR JR, RONALD H

Mailing address (most recent filing)

CREATIVE FINANCIAL STRATEGIES

30 TWO BRIDGES RD STE 320

FAIRFIELD, NJ 07004

Total comp: $20K
Commissions: $20K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

Where CARR JR, RONALD H 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	2	$318K	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	2	$318K	0.1%	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 CARR JR, RONALD H's plans by broker comp / premium ratio. Median 12.26% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of CARR JR, RONALD H's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where CARR JR, RONALD H is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
VAN CLEEF ENGINEERING ASSOCIATES VAN CLEEF ENGINEERING ASSOCIATES, LLC SHORT TERM & LONG TERM DISABILITY PLAN	NJ	$284K	$27K	UNUM LIFE INSURANCE CO OF AMERICA
VAN CLEEF ENGINEERING ASSOCIATES VAN CLEEF ENGINEERING ASSOCIATES GROUP LONG TERM CARE PLAN	NJ	$34K	$5K	UNUM LIFE INSURANCE CO OF AMERICA

Carrier

Plans

Premium

UNUM LIFE INSURANCE COMPANY OF AMERICA

$318K

100.0%

State

Plans

Premium

State share

Index

$318K

0.1%

46.37x

Sponsor

Loc

Premium

Comp

Carrier

VAN CLEEF ENGINEERING ASSOCIATES

VAN CLEEF ENGINEERING ASSOCIATES, LLC SHORT TERM & LONG TERM DISABILITY PLAN

$284K

$27K

UNUM LIFE INSURANCE CO OF AMERICA

VAN CLEEF ENGINEERING ASSOCIATES

VAN CLEEF ENGINEERING ASSOCIATES GROUP LONG TERM CARE PLAN

$34K

$5K

UNUM LIFE INSURANCE CO OF AMERICA