Welfare broker

DESARNO BENEFITS LLC

Mailing address (most recent filing)

729 RAYMERE AVE

INTERLAKEN, NJ 07712

Total comp: $22K
Commissions: $21K
Fees: $836
Filings: 15
Sponsors: 15

Carrier mix

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

AFLAC100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
AFLAC	1	$122K	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
NJ	1	$122K	0.0%	46.37x

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 DESARNO BENEFITS LLC's plans by broker comp / premium ratio. Median 14.52% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where DESARNO BENEFITS LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
PLANNED PARENTHOOD OF NORTHERN, CENTRAL AND SOUTHERN NEW JERSEY PLANNED PARENTHOOD OF NORTHERN, CENTRAL AND SOUTHERN NEW JERSEY HEALTH AND WELFARE BENEFIT PLAN	NJ	$122K	$18K	AFLAC