Welfare broker

COWDEN ASSOCIATES INC

Mailing address (most recent filing)

FOUR GATEWAY CENTER

PITTSBURGH, PA 15222

Carrier mix

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

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
HARTFORD LIFE AND ACCIDENT	3	$1.1M	60.0%
UNITED CONCORDIA INSURANCE COMPANY	1	$754K	20.0%
AETNA LIFE INSURANCE COMPANY	1	$2.7M	20.0%

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
PA	5	$4.5M	0.1%	23.98x

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 COWDEN ASSOCIATES INC's plans by broker comp / premium ratio. Median 8.84% vs welfare-wide median 6.29% (n=5).

Prospect-flag exposure · vs market baseline

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

1-5 of 5 sponsors where COWDEN ASSOCIATES INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
AMPCO-PITTSBURGH CORPORATION AMPCO-PITTSBURGH CORPORATION GROUP INSURANCE PROGRAM	PA	$2.7M	$230K	AETNA LIFE INSURANCE COMPANY
ABARTA, INC. ABARTA, INC. LIFE, AD&D, AND LTD PLAN	PA	$634K	$56K	HARTFORD LIFE AND ACCIDENT
BEFESA ZINC US INC. BEFESA ZINC US INC EMPLOYEE WELFARE PLAN	PA	$276K	$30K	HARTFORD LIFE AND ACCIDENT
BEFESA ZINC METAL LLC BEFESA ZINC METAL LLC EMPLOYEE WELFARE PLAN	PA	$152K	$17K	HARTFORD LIFE AND ACCIDENT
ABARTA, INC. ABARTA, INC. GROUP MED. & MAJOR EXPENSE PROGRAM	PA	$754K	$9K	UNITED CONCORDIA INSURANCE COMPANY