Welfare broker

FMA EMPLOYEE BENEFIT CONSULTANTS

Mailing address (most recent filing)

19 CHESTNUT LANE

SUITE 300

WOODBURY, NY 11797

Total comp: $170K
Commissions: $45K
Fees: $125K
Filings: 1
Sponsors: 1

Carrier mix

Where FMA EMPLOYEE BENEFIT CONSULTANTS places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

CIGNA HEALTH AND LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$7.1M	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	$7.1M	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 FMA EMPLOYEE BENEFIT CONSULTANTS's plans by broker comp / premium ratio. Median 4.74% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of FMA EMPLOYEE BENEFIT CONSULTANTS's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where FMA EMPLOYEE BENEFIT CONSULTANTS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
RICHMAN PROPERTY SERVICES INC. RICHMAN PROPERTY SERVICES INC. EMPLOYEE BENEFITS PLAN	CT	$7.1M	$339K	CIGNA HEALTH AND LIFE INSURANCE COMPANY

Carrier

Plans

Premium

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$7.1M

100.0%

State

Plans

Premium

State share

Index

$7.1M

0.1%

103.72x

Sponsor

Loc

Premium

Comp

Carrier

RICHMAN PROPERTY SERVICES INC.

RICHMAN PROPERTY SERVICES INC. EMPLOYEE BENEFITS PLAN

$7.1M

$339K

CIGNA HEALTH AND LIFE INSURANCE COMPANY