Welfare broker

ELS & ASSOCIATES INC.

Mailing address (most recent filing)

437 APOLLO BEACH BLVD.

APOLLO BEACH, FL 33572

Total comp: $155K
Commissions: $154K
Fees: $300
Filings: 1
Sponsors: 1

Carrier mix

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

UPMC HEALTH OPTIONS100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UPMC HEALTH OPTIONS	1	$3.2M	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
FL	1	$3.2M	0.0%	25.39x

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 ELS & ASSOCIATES INC.'s plans by broker comp / premium ratio. Median 5.35% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
STAR DISTRIBUTION SYSTEMS STAR DISTRIBUTION SYSTEMS WELFARE BENEFIT PLAN	FL	$3.2M	$169K	HEALTH OPTIONS