Welfare broker

GERALD L STONE

Mailing address (most recent filing)

PO BOX 1139

HOGANSBURG, NY 13655

Total comp: $26K
Commissions: $26K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

Where GERALD L STONE places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

HARTFORD LIFE AND ACCIDENT100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
HARTFORD LIFE AND ACCIDENT	1	$382K	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
NY	1	$382K	0.0%	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 GERALD L STONE's plans by broker comp / premium ratio. Median 12.10% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of GERALD L STONE's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where GERALD L STONE is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
MOHAWK GAMING ENTERPRISES LLC MOHAWK GAMING ENTERPRISES LLC HEALTH PLAN	NY	$382K	$46K	HARTFORD LIFE AND ACCIDENT