Welfare broker

EMPLOYEE FAMILY PROTECTION INC

Mailing address (most recent filing)

PO BOX 1237

GLASTONBURY, CT 06033

Total comp: $2.3M
Commissions: $1.8M
Fees: $502K
Filings: 99
Sponsors: 99

Carrier mix

Where EMPLOYEE FAMILY PROTECTION INC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

GRANULAR INSURANCE COMPANY33.3%
BLUE CROSS OF CALIFORNIA33.3%
ANTHEM LIFE INSURANCE COMPANY33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
GRANULAR INSURANCE COMPANY	1	$5.3M	33.3%
BLUE CROSS OF CALIFORNIA	1	$801K	33.3%
ANTHEM LIFE INSURANCE COMPANY	1	$3.0M	33.3%

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	2	$3.8M	0.0%	13.21x
NJ	1	$5.3M	0.0%	15.46x

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 EMPLOYEE FAMILY PROTECTION INC's plans by broker comp / premium ratio. Median 4.99% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

Share of EMPLOYEE FAMILY PROTECTION INC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-3 of 3 sponsors where EMPLOYEE FAMILY PROTECTION INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
WURTH GROUP OF NORTH AMERICA INC WURTH HEALTH PLAN	NJ	$5.3M	$322K	GRANULAR INSURANCE COMPANY
MEDISYS HEALTH NETWORK, INC. MEDISYS HEALTH NETWORK EMPLOYEE BENEFITS PLAN	NY	$3.0M	$151K	ANTHEM BLUE CROSS
EXXPRESS TIRE LLC EXXPRESS TIRE LLC EMPLOYEE BENEFITS PLAN	NY	$801K	$13K	UNIVERA HEALTH CARE

Carrier

Plans

Premium

GRANULAR INSURANCE COMPANY

$5.3M

33.3%

BLUE CROSS OF CALIFORNIA

$801K

33.3%

ANTHEM LIFE INSURANCE COMPANY

$3.0M

33.3%

State

Plans

Premium

State share

Index

$3.8M

0.0%

13.21x

$5.3M

0.0%

15.46x

Sponsor

Loc

Premium

Comp

Carrier

WURTH GROUP OF NORTH AMERICA INC

WURTH HEALTH PLAN

$5.3M

$322K

GRANULAR INSURANCE COMPANY

MEDISYS HEALTH NETWORK, INC.

MEDISYS HEALTH NETWORK EMPLOYEE BENEFITS PLAN

$3.0M

$151K

ANTHEM BLUE CROSS

EXXPRESS TIRE LLC

EXXPRESS TIRE LLC EMPLOYEE BENEFITS PLAN

$801K

$13K

UNIVERA HEALTH CARE