Welfare broker

FUTURE VALUE ASSOCIATES LTD

Mailing address (most recent filing)

PO BOX 366

POUND RIDGE, NY 10576

Total comp: $304K
Commissions: $254K
Fees: $50K
Filings: 7
Sponsors: 7

Carrier mix

Where FUTURE VALUE ASSOCIATES LTD places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNITEDHEALTHCARE INSURANCE COMPANY33.3%
NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK33.3%
CIGNA HEALTH AND LIFE INSURANCE COMPANY33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	1	$3.1M	33.3%
NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK	1	$39K	33.3%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$1.1M	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	3	$4.2M	0.1%	19.82x

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 FUTURE VALUE ASSOCIATES LTD's plans by broker comp / premium ratio. Median 6.98% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

Share of FUTURE VALUE ASSOCIATES LTD's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-3 of 3 sponsors where FUTURE VALUE ASSOCIATES LTD is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
DAN KLORES COMMUNICATIONS, LLC DAN KLORES COMMUNICATIONS, LLC HEALTH AND WELFARE BENEFIT PLAN	NY	$3.1M	$159K	UNITEDHEALTHCARE INSURANCE COMPANY
INNOVID INC. INNOVID INC. HEALTH AND WELFARE BENEFIT PLAN	NY	$1.1M	$78K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
APPLIED BEHAVIOR ANALYSIS APPLIED BEHAVIOR ANALYSIS STD PLAN	NY	$39K	$5K	NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK

Carrier

Plans

Premium

UNITEDHEALTHCARE INSURANCE COMPANY

$3.1M

33.3%

NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK

$39K

33.3%

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$1.1M

33.3%

State

Plans

Premium

State share

Index

$4.2M

0.1%

19.82x

Sponsor

Loc

Premium

Comp

Carrier

DAN KLORES COMMUNICATIONS, LLC

DAN KLORES COMMUNICATIONS, LLC HEALTH AND WELFARE BENEFIT PLAN

$3.1M

$159K

UNITEDHEALTHCARE INSURANCE COMPANY

INNOVID INC.

INNOVID INC. HEALTH AND WELFARE BENEFIT PLAN

$1.1M

$78K

CIGNA HEALTH AND LIFE INSURANCE COMPANY

APPLIED BEHAVIOR ANALYSIS

APPLIED BEHAVIOR ANALYSIS STD PLAN

$39K

$5K

NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK