Welfare broker

CUSTOM BENEFITS GROUP

Mailing address (most recent filing)

300 BRICKSTONE SQ

SUITE 201

ANDOVER, MA 01810

Carrier mix

Where CUSTOM BENEFITS GROUP 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
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	4	$57K	57.1%
BLUE CROSS OF CALIFORNIA	2	$511K	28.6%
HARVARD PILGRIM HEALTH CARE	1	$1.4M	14.3%

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
MA	7	$2.0M	0.3%	46.22x

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 CUSTOM BENEFITS GROUP's plans by broker comp / premium ratio. Median 19.99% vs welfare-wide median 6.29% (n=7).

Prospect-flag exposure · vs market baseline

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

1-7 of 7 sponsors where CUSTOM BENEFITS GROUP is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
COMMUNITIES FOR PEOPLE, INC COMMUNITIES FOR PEOPLE, INC HEALTH & WELFARE PLAN	MA	$1.4M	$45K	HARVARD PILGRIM HEALTH CARE
GRADCO, LLC D/B/A GRADIENT GRADCO, LLC MEDICAL PLAN	MA	$479K	$24K	BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC.
GRADCO, LLC D/B/A GRADIENT GRADCO, LLC LTD PLAN	MA	$30K	$6K	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA
GRADCO, LLC D/B/A GRADIENT GRADCO, LLC DENTAL PLAN	MA	$32K	$3K	BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC.
GRADCO, LLC D/B/A GRADIENT GRADCO, LLC LIFE PLAN	MA	$14K	$3K	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA
GRADCO, LLC D/B/A GRADIENT GRADCO, LLC STD PLAN	MA	$10K	$2K	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA
GRADCO, LLC D/B/A GRADIENT GRADCO, LLC AD&D PLAN	MA	$3K	$523	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA