Welfare broker

HELLER D C & COMPANY INC.

Mailing address (most recent filing)

840 LONG HILL RD.

NEW YORK, NY 10510

Total comp: $212K
Commissions: $11K
Fees: $201K
Filings: 2
Sponsors: 2

Carrier mix

Where HELLER D C & COMPANY INC. places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

CIGNA HEALTH AND LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$5.7M	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
NY	1	$5.7M	0.0%	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 HELLER D C & COMPANY INC.'s plans by broker comp / premium ratio. Median 5.40% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of HELLER D C & COMPANY INC.'s book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where HELLER D C & COMPANY INC. is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
RIVERBAY CORPORATION RIVERBAY CORPORATION EMPLOYEE BENEFIT PLAN	NY	$5.7M	$307K	CIGNA HEALTH AND LIFE INSURANCE COMPANY