Welfare broker

EM-POWER SERVICES, INC.

Mailing address (most recent filing)

PO BOX 591

OXFORD, MA 01540

Total comp: $54K
Commissions: $54K
Fees: $0
Filings: 5
Sponsors: 5

Carrier mix

Where EM-POWER SERVICES, INC. places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

PRUDENTIAL INSURANCE COMPANY OF AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
PRUDENTIAL INSURANCE COMPANY OF AMERICA	1	$1.1M	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
CT	1	$1.1M	0.1%	103.72x

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 EM-POWER SERVICES, INC.'s plans by broker comp / premium ratio. Median 1.25% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of EM-POWER SERVICES, INC.'s book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where EM-POWER SERVICES, INC. is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
BIC CORPORATION BIC CORPORATION WELFARE BENEFITS PLAN FOR ACTIVE EMPLOYEES	CT	$1.1M	$14K	THE PRUDENTIAL INSURANCE COMPANY OF AMERICA