Welfare broker

CHRISTOPHER M. WATROBA

Mailing address (most recent filing)

1 MONARCH PLACE, SUITE 2100

SPRINGFIELD, MA 01144

Total comp: $3K
Commissions: $2K
Fees: $744
Filings: 1
Sponsors: 1

Carrier mix

Where CHRISTOPHER M. WATROBA places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

NORTHWESTERN MUTUAL100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
NORTHWESTERN MUTUAL	1	$97K	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
CT	1	$97K	0.1%	103.72x

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 CHRISTOPHER M. WATROBA's plans by broker comp / premium ratio. Median 11.29% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of CHRISTOPHER M. WATROBA's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where CHRISTOPHER M. WATROBA is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
THE S/L/A/M COLLABORATIVE, INC. THE S/L/A/M COLLABORATIVE, INC. HEALTH PLAN	CT	$97K	$11K	NORTHWESTERN MUTUAL