Welfare broker

DAVID VELHO

Mailing address (most recent filing)

1778 ARDEN LANE

BETHLEHEM, PA 18015

Total comp: $18K
Commissions: $18K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

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

STANDARD INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
STANDARD INSURANCE COMPANY	1	$162K	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
PA	1	$162K	0.0%	24.13x

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 VELHO's plans by broker comp / premium ratio. Median 10.90% vs welfare-wide median 6.35% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where DAVID VELHO is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ALLENTOWN MACK SALES & SERVICE, INC. ALLENTOWN MACK SALES & SERVICE, INC. LIFE AND DISABILITY PLAN	PA	$162K	$18K	STANDARD INSURANCE COMPANY