Welfare broker

ESSA ADVISORY SERVICES, LLC

Mailing address (most recent filing)

200 PALMER ST

STROUDSBURG, PA 18360

Total comp: $125K
Commissions: $125K
Fees: $0
Filings: 4
Sponsors: 4

Carrier mix

Where ESSA ADVISORY SERVICES, LLC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA50.0%
BLUE CROSS OF CALIFORNIA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA	1	$254K	50.0%
BLUE CROSS OF CALIFORNIA	1	$2.7M	50.0%

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
PA	2	$3.0M	0.0%	23.98x

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 ESSA ADVISORY SERVICES, LLC's plans by broker comp / premium ratio. Median 7.18% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where ESSA ADVISORY SERVICES, LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ESSA BANK & TRUST C/O CNB FINANCIAL CORPORATION ESSA BANK & TRUST HEALTH & WELFARE PLAN	PA	$2.7M	$125K	HIGHMARK, INC.
GOTWALS, INC. GOTWALS, INC. GROUP HEALTH & DISABILITY PLAN	PA	$254K	$25K	RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA

Carrier

Plans

Premium

RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA

$254K

50.0%

BLUE CROSS OF CALIFORNIA

$2.7M

50.0%

State

Plans

Premium

State share

Index

$3.0M

0.0%

23.98x

Sponsor

Loc

Premium

Comp

Carrier

ESSA BANK & TRUST C/O CNB FINANCIAL CORPORATION

ESSA BANK & TRUST HEALTH & WELFARE PLAN

$2.7M

$125K

HIGHMARK, INC.

GOTWALS, INC.

GOTWALS, INC. GROUP HEALTH & DISABILITY PLAN

$254K

$25K

RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA