Welfare broker

GUTMAN'S INS BROKERAGE INC

Mailing address (most recent filing)

1066 E 2ND ST.

BROOKLYN, NY 11230

Total comp: $431K
Commissions: $255K
Fees: $177K
Filings: 6
Sponsors: 6

Carrier mix

Where GUTMAN'S INS BROKERAGE INC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

SUN LIFE ASSURANCE COMPANY OF CANADA75.0%
HAWAII MEDICAL SERVICE ASSOCIATION25.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
SUN LIFE ASSURANCE COMPANY OF CANADA	3	$2.2M	75.0%
HAWAII MEDICAL SERVICE ASSOCIATION	1	$3.7M	25.0%

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
PA	2	$1.1M	0.0%	11.99x
VA	1	$1.1M	0.0%	11.47x
KY	1	$3.7M	0.0%	4.93x

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 GUTMAN'S INS BROKERAGE INC's plans by broker comp / premium ratio. Median 5.37% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

Share of GUTMAN'S INS BROKERAGE INC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-4 of 4 sponsors where GUTMAN'S INS BROKERAGE INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
VOLARE HEALTH, LLC VOLARE HEALTH LLC HEALTH AND WELFARE BENEFIT PLAN	KY	$3.7M	$201K	HAWAII MEDICAL SERVICE ASSOCIATION
OUR HEALTH INSURANCE LLC OUR HEALTH INSURANCE LLC BENEFIT PLAN	PA	$1.1M	$87K	SUN LIFE ASSURANCE COMPANY OF CANADA
MFA HEALTH FUND LLC MFA HEALTH FUND LLC	VA	$1.1M	$3K	SUN LIFE FINANCIAL
IMPERIAL HSG LLC IMPERIAL HSG LLC HEALTH INSURANCE	PA	$0	$0	SUN LIFE INSURANCE COMPANY OF CANADA

Carrier

Plans

Premium

SUN LIFE ASSURANCE COMPANY OF CANADA

$2.2M

75.0%

HAWAII MEDICAL SERVICE ASSOCIATION

$3.7M

25.0%

State

Plans

Premium

State share

Index

$1.1M

0.0%

11.99x

$1.1M

0.0%

11.47x

$3.7M

0.0%

4.93x

Sponsor

Loc

Premium

Comp

Carrier

VOLARE HEALTH, LLC

VOLARE HEALTH LLC HEALTH AND WELFARE BENEFIT PLAN

$3.7M

$201K

HAWAII MEDICAL SERVICE ASSOCIATION

OUR HEALTH INSURANCE LLC

OUR HEALTH INSURANCE LLC BENEFIT PLAN

$1.1M

$87K

SUN LIFE ASSURANCE COMPANY OF CANADA

MFA HEALTH FUND LLC

$1.1M

$3K

SUN LIFE FINANCIAL

IMPERIAL HSG LLC

IMPERIAL HSG LLC HEALTH INSURANCE

SUN LIFE INSURANCE COMPANY OF CANADA