Welfare broker

CENTRAL GROUP INSURANCE AGENCY

Mailing address (most recent filing)

PO BOX 1868

DORADO, PR 00646

Total comp: $1.5M
Commissions: $1.2M
Fees: $349K
Filings: 43
Sponsors: 43

Carrier mix

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

HARTFORD LIFE AND ACCIDENT50.0%
NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
HARTFORD LIFE AND ACCIDENT	1	$247	50.0%
NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK	1	$1.1M	50.0%

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
PR	2	$1.1M	0.4%	223.06x

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 CENTRAL GROUP INSURANCE AGENCY's plans by broker comp / premium ratio. Median 20.73% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where CENTRAL GROUP INSURANCE AGENCY is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
LUMA ENERGY LLC LUMA ENERGY LLC LIFF ADD 2023	PR	$1.1M	$301K	NEW YORK LIFE GROUP BENEFIT SOLUTIONS
LUFTHANSA TECHNIK PUERTO RICO LUFTHANSA BUSINESS TRAVEL ACCIDENT	PR	$247	$37	HARTFORD LIFE AND ACCIDENT INSURANCE CO

Carrier

Plans

Premium

HARTFORD LIFE AND ACCIDENT

$247

50.0%

NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK

$1.1M

50.0%

State

Plans

Premium

State share

Index

$1.1M

0.4%

223.06x

Sponsor

Loc

Premium

Comp

Carrier

LUMA ENERGY LLC

LUMA ENERGY LLC LIFF ADD 2023

$1.1M

$301K

NEW YORK LIFE GROUP BENEFIT SOLUTIONS

LUFTHANSA TECHNIK PUERTO RICO

LUFTHANSA BUSINESS TRAVEL ACCIDENT

$247

$37

HARTFORD LIFE AND ACCIDENT INSURANCE CO