Welfare broker

GRAEBER & ASSOCIATES INC

Mailing address (most recent filing)

225 N MAIN ST

SUITE 308

SALISBURY, NC 28144

Total comp: $97K
Commissions: $3K
Fees: $94K
Filings: 2
Sponsors: 2

Carrier mix

Where GRAEBER & ASSOCIATES INC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNITEDHEALTHCARE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	1	$3.4M	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
NC	1	$3.4M	0.0%	47.73x

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 GRAEBER & ASSOCIATES INC's plans by broker comp / premium ratio. Median 5.78% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of GRAEBER & ASSOCIATES INC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where GRAEBER & ASSOCIATES INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
NOREGON SYSTEMS NOREGON SYSTEMS EMPLOYEE GROUP WELFARE BENEFIT PLAN	NC	$3.4M	$195K	UNITEDHEALTHCARE INSURANCE COMPANY