Welfare broker

DEDECKER-SAXE ASSOCIATES INC

Mailing address (most recent filing)

285 DELAWARE AVE

BUFFALO, NY 14202

Total comp: $1.1M
Commissions: $790K
Fees: $349K
Filings: 2
Sponsors: 2

Carrier mix

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

UNUM LIFE INSURANCE COMPANY OF AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNUM LIFE INSURANCE COMPANY OF AMERICA	1	$24.2M	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	$24.2M	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 DEDECKER-SAXE ASSOCIATES INC's plans by broker comp / premium ratio. Median 2.09% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where DEDECKER-SAXE ASSOCIATES INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
M&T BANK CORPORATION FLEXIBLE BENEFITS PLAN M&T BANK CORPORATION FLEXIBLE BENEFITS PLAN	NY	$24.2M	$505K	FIRST UNUM LIFE INSURANCE COMPANY