Welfare broker

HARDING BROOKS INS AGENCY

Mailing address (most recent filing)

441 COMMERCE ROAD

VESTAL, NY 13850

Total comp: $239K
Commissions: $239K
Fees: $0
Filings: 7
Sponsors: 7

Carrier mix

Where HARDING BROOKS INS AGENCY places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

BLUE CROSS OF CALIFORNIA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	1	$1.2M	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	$1.2M	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 HARDING BROOKS INS AGENCY's plans by broker comp / premium ratio. Median 4.55% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of HARDING BROOKS INS AGENCY's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where HARDING BROOKS INS AGENCY is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
SQUARE DEAL MACHINING, INC. SQUARE DEAL MACHINING, INC. WELFARE BENEFIT PLAN	NY	$1.2M	$55K	EXCELLUS BLUECROSS BLUESHIELD