Welfare broker

CUSTOMIZED BENEFIT SOLUTIONS

Mailing address (most recent filing)

125 RAILROAD AVE STE 2

HIGHTSTOWN, NJ 085203742

Total comp: $267K
Commissions: $202K
Fees: $65K
Filings: 7
Sponsors: 7

Carrier mix

Where CUSTOMIZED BENEFIT SOLUTIONS places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNITEDHEALTHCARE INSURANCE COMPANY50.0%
CIGNA HEALTH AND LIFE INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	1	$1.2M	50.0%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$2.4M	50.0%

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
NJ	2	$3.6M	0.1%	46.37x

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 CUSTOMIZED BENEFIT SOLUTIONS's plans by broker comp / premium ratio. Median 4.78% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of CUSTOMIZED BENEFIT SOLUTIONS's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where CUSTOMIZED BENEFIT SOLUTIONS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
AMBOY BANCORPORATION AMBOY BANCORPORATION ERISA WRAP PLAN	NJ	$2.4M	$81K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
PRC MANAGEMENT COMPANY, INC. PRC MANAGEMENT COMPANY INC HEALTH AND WELFARE BENEFIT PLAN	NJ	$1.2M	$73K	UNITEDHEALTHCARE INSURANCE COMPANY

Carrier

Plans

Premium

UNITEDHEALTHCARE INSURANCE COMPANY

$1.2M

50.0%

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$2.4M

50.0%

State

Plans

Premium

State share

Index

$3.6M

0.1%

46.37x

Sponsor

Loc

Premium

Comp

Carrier

AMBOY BANCORPORATION

AMBOY BANCORPORATION ERISA WRAP PLAN

$2.4M

$81K

CIGNA HEALTH AND LIFE INSURANCE COMPANY

PRC MANAGEMENT COMPANY, INC.

PRC MANAGEMENT COMPANY INC HEALTH AND WELFARE BENEFIT PLAN

$1.2M

$73K

UNITEDHEALTHCARE INSURANCE COMPANY