Welfare broker

GUTTMAN SARA

Mailing address (most recent filing)

5520 13TH AVE

STE 4L

BROOKLYN, NY 11219

Total comp: $2K
Commissions: $2K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

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

UNUM LIFE INSURANCE COMPANY OF AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNUM LIFE INSURANCE COMPANY OF AMERICA	1	$12K	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	$12K	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 GUTTMAN SARA's plans by broker comp / premium ratio. Median 15.00% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where GUTTMAN SARA is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
INCARE HOME HEALTH CARE GROUP LLC INCARE HOME HEALTH CARE HEALTH AND WELFARE PLAN	NY	$12K	$2K	FIRST UNUM LIFE INSURANCE COMPANY