Welfare broker

DAVID RISPLER

Mailing address (most recent filing)

395 NORTH SERVICE ROAD

SUITE 206

MELVILLE, NY 11747

Total comp: $128K
Commissions: $125K
Fees: $4K
Filings: 7
Sponsors: 7

Carrier mix

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

PRINCIPAL LIFE INSURANCE COMPANY50.0%
THE LINCOLN NATIONAL LIFE INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
PRINCIPAL LIFE INSURANCE COMPANY	1	$54K	50.0%
THE LINCOLN NATIONAL LIFE INSURANCE COMPANY	1	$192K	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
NM	1	$54K	0.4%	227.45x
MI	1	$192K	0.0%	20.58x

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 DAVID RISPLER's plans by broker comp / premium ratio. Median 16.69% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where DAVID RISPLER is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
STANT USA CORP STANT USA CORP EMPLOYEE BENEFITS PLAN	MI	$192K	$41K	LINCOLN NATIONAL LIFE INSURANCE COMPANY
UNIRAC INC UNIRAC INC PRINCIPAL BENEFIT PLAN	NM	$54K	$6K	PRINCIPAL LIFE INSURANCE COMPANY

Carrier

Plans

Premium

PRINCIPAL LIFE INSURANCE COMPANY

$54K

50.0%

THE LINCOLN NATIONAL LIFE INSURANCE COMPANY

$192K

50.0%

State

Plans

Premium

State share

Index

$54K

0.4%

227.45x

$192K

0.0%

20.58x

Sponsor

Loc

Premium

Comp

Carrier

STANT USA CORP

STANT USA CORP EMPLOYEE BENEFITS PLAN

$192K

$41K

LINCOLN NATIONAL LIFE INSURANCE COMPANY

UNIRAC INC

UNIRAC INC PRINCIPAL BENEFIT PLAN

$54K

$6K

PRINCIPAL LIFE INSURANCE COMPANY