Welfare broker

DEARDEN & ASSOCIATES INC INSURANCE

Mailing address (most recent filing)

DEARDEN ASSOC INC INS GROUP

HEBER CITY, UT 84032

Total comp: $21K
Commissions: $18K
Fees: $3K
Filings: 1
Sponsors: 1

Carrier mix

Where DEARDEN & ASSOCIATES INC INSURANCE places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA	1	$98K	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
UT	1	$98K	0.1%	131.45x

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 DEARDEN & ASSOCIATES INC INSURANCE's plans by broker comp / premium ratio. Median 21.00% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of DEARDEN & ASSOCIATES INC INSURANCE's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where DEARDEN & ASSOCIATES INC INSURANCE is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
SPECTRUM ENGINEERS, INC. SPECTRUM ENGINEERS HEALTH AND WELFARE PLAN	UT	$98K	$21K	EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA

Carrier

Plans

Premium

EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA

$98K

100.0%

State

Plans

Premium

State share

Index

$98K

0.1%

131.45x

Sponsor

Loc

Premium

Comp

Carrier

SPECTRUM ENGINEERS, INC.

SPECTRUM ENGINEERS HEALTH AND WELFARE PLAN

$98K

$21K

EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA