Welfare broker

COMMERCIAL COVERAGE INC

Mailing address (most recent filing)

PO BOX 5060

SARATOGA SPRINGS, NY 12866

Total comp: $366K
Commissions: $366K
Fees: $0
Filings: 3
Sponsors: 3

Carrier mix

Where COMMERCIAL COVERAGE INC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNUM LIFE INSURANCE COMPANY OF AMERICA66.7%
ANTHEM LIFE INSURANCE COMPANY33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNUM LIFE INSURANCE COMPANY OF AMERICA	2	$3.1M	66.7%
ANTHEM LIFE INSURANCE COMPANY	1	$10.4M	33.3%

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	3	$13.5M	0.1%	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 COMMERCIAL COVERAGE INC's plans by broker comp / premium ratio. Median 4.77% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

Share of COMMERCIAL COVERAGE INC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-3 of 3 sponsors where COMMERCIAL COVERAGE INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
CIVIL SERVICE EMPLOYEES ASSOCIATION INC CIVIL SERVICE EMPLOYEES ASSOCIATION INC EMPLOYEES WELFARE BENEFIT PLAN	NY	$10.4M	$216K	EMPIRE HEALTHCHOICE ASSURANCE, INC.
CENTRAL HUDSON GAS & ELECTRIC CORPORATION CENTRAL HUDSON GAS & ELECTRIC CORPORATION WELFARE BENEFIT PLAN FOR RETIREES	NY	$2.6M	$123K	FIRST UNUM LIFE INSURANCE COMPANY
CENTRAL HUDSON GAS & ELECTRIC CORPORATION CENTRAL HUDSON GAS & ELECTRIC CORPORATION WELFARE BENEFIT PLAN	NY	$479K	$33K	FIRST UNUM LIFE INSURANCE COMPANY

Carrier

Plans

Premium

UNUM LIFE INSURANCE COMPANY OF AMERICA

$3.1M

66.7%

ANTHEM LIFE INSURANCE COMPANY

$10.4M

33.3%

State

Plans

Premium

State share

Index

$13.5M

0.1%

19.82x

Sponsor

Loc

Premium

Comp

Carrier

CIVIL SERVICE EMPLOYEES ASSOCIATION INC

CIVIL SERVICE EMPLOYEES ASSOCIATION INC EMPLOYEES WELFARE BENEFIT PLAN

$10.4M

$216K

EMPIRE HEALTHCHOICE ASSURANCE, INC.

CENTRAL HUDSON GAS & ELECTRIC CORPORATION

CENTRAL HUDSON GAS & ELECTRIC CORPORATION WELFARE BENEFIT PLAN FOR RETIREES

$2.6M

$123K

FIRST UNUM LIFE INSURANCE COMPANY

CENTRAL HUDSON GAS & ELECTRIC CORPORATION

CENTRAL HUDSON GAS & ELECTRIC CORPORATION WELFARE BENEFIT PLAN

$479K

$33K

FIRST UNUM LIFE INSURANCE COMPANY