Welfare broker

GIRARD FINANCIAL GROUP LLC

Mailing address (most recent filing)

7 S MAIN ST

MILLBURY, MA 01527

Total comp: $82K
Commissions: $53K
Fees: $29K
Filings: 2
Sponsors: 2

Carrier mix

Where GIRARD FINANCIAL GROUP LLC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

SYMETRA LIFE INSURANCE COMPANY50.0%
BLUE CROSS OF CALIFORNIA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
SYMETRA LIFE INSURANCE COMPANY	1	$327K	50.0%
BLUE CROSS OF CALIFORNIA	1	$514K	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
MA	2	$841K	0.1%	46.22x

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 GIRARD FINANCIAL GROUP LLC's plans by broker comp / premium ratio. Median 11.93% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of GIRARD FINANCIAL GROUP LLC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where GIRARD FINANCIAL GROUP LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
TEAMSTERS LOCAL 170 GROUP LIFE INSURANCE PLAN TEAMSTERS LOCAL 170 GROUP LIFE INSURANCE PLAN	MA	$327K	$50K	SYMETRA LIFE INSURANCE COMPANY
TEAMSTERS LOCAL 170 HEALTH AND WELFARE FUND TEAMSTERS LOCAL 170 HEALTH AND WELFARE FUND	MA	$514K	$44K	BLUE CROSS BLUE SHIELD

Carrier

Plans

Premium

SYMETRA LIFE INSURANCE COMPANY

$327K

50.0%

BLUE CROSS OF CALIFORNIA

$514K

50.0%

State

Plans

Premium

State share

Index

$841K

0.1%

46.22x

Sponsor

Loc

Premium

Comp

Carrier

TEAMSTERS LOCAL 170 GROUP LIFE INSURANCE PLAN

$327K

$50K

SYMETRA LIFE INSURANCE COMPANY

TEAMSTERS LOCAL 170 HEALTH AND WELFARE FUND

$514K

$44K

BLUE CROSS BLUE SHIELD