Welfare broker

CHANG LI FENG CHAO

Mailing address (most recent filing)

45 HEATHERBLOOM ROAD

WHITE PLAINS, NY 10605

Total comp: $45K
Commissions: $0
Fees: $45K
Filings: 1
Sponsors: 1

Carrier mix

Where CHANG LI FENG CHAO places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

CIGNA HEALTH AND LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$1.3M	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
NY	1	$1.3M	0.0%	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 CHANG LI FENG CHAO's plans by broker comp / premium ratio. Median 3.69% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of CHANG LI FENG CHAO's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where CHANG LI FENG CHAO is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
MEGA INTERNATIONAL COMMERCIAL BANK CO., LTD MEGA INTERNATIONAL COMMERCIAL BANK CO., LTD HEALTH & WELFARE BENEFIT PLAN	NY	$1.3M	$50K	CIGNA HEALTH AND LIFE INSURANCE COMPANY