Welfare broker

DEREK G. SPENCER

Mailing address (most recent filing)

222 RIDGEDALE AVENUE, SUITE 1A

CEDAR KNOLLS, NJ 07927

Total comp: $70K
Commissions: $70K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

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

UNITEDHEALTHCARE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	1	$2.9M	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
NC	1	$2.9M	0.0%	47.73x

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 DEREK G. SPENCER's plans by broker comp / premium ratio. Median 4.57% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where DEREK G. SPENCER is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
MILL CREEK RENEWABLES LLC MILL CREEK RENEWABLES, LLC HEALTH AND WELFARE PLAN	NC	$2.9M	$131K	UNITEDHEALTHCARE INSURANCE COMPANY