Welfare broker

HARRY MASCOLO

Mailing address (most recent filing)

31 MALVERN ROAD

STAMFORD, CT 06905

Total comp: $134K
Commissions: $129K
Fees: $4K
Filings: 7
Sponsors: 7

Carrier mix

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

HARTFORD LIFE AND ACCIDENT75.0%
PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD25.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
HARTFORD LIFE AND ACCIDENT	3	$664K	75.0%
PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD	1	$16K	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
NY	4	$680K	0.1%	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 HARRY MASCOLO's plans by broker comp / premium ratio. Median 14.00% vs welfare-wide median 6.29% (n=4).

Prospect-flag exposure · vs market baseline

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

1-4 of 4 sponsors where HARRY MASCOLO is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
RIDGEWOOD SAVINGS BANK RIDGEWOOD SAVINGS BANK GROUP LIFE INSURANCE PLAN	NY	$437K	$40K	HARTFORD LIFE AND ACCIDENT
RIDGEWOOD SAVINGS BANK RIDGEWOOD SAVINGS BANK LONG TERM DISABILITY PLAN	NY	$178K	$23K	HARTFORD LIFE AND ACCIDENT
RIDGEWOOD SAVINGS BANK RIDGEWOOD SAVINGS BANK VOLUNTARY SHORT TERM DISABILITY PLAN	NY	$49K	$7K	HARTFORD LIFE AND ACCIDENT
RIDGEWOOD SAVINGS BANK RIDGEWOOD SAVINGS BANK LEGAL SERVICES PLAN	NY	$16K	$3K	PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD

Carrier

Plans

Premium

HARTFORD LIFE AND ACCIDENT

$664K

75.0%

PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD

$16K

25.0%

State

Plans

Premium

State share

Index

$680K

0.1%

19.82x

Sponsor

Loc

Premium

Comp

Carrier

RIDGEWOOD SAVINGS BANK

RIDGEWOOD SAVINGS BANK GROUP LIFE INSURANCE PLAN

$437K

$40K

HARTFORD LIFE AND ACCIDENT

RIDGEWOOD SAVINGS BANK

RIDGEWOOD SAVINGS BANK LONG TERM DISABILITY PLAN

$178K

$23K

HARTFORD LIFE AND ACCIDENT

RIDGEWOOD SAVINGS BANK

RIDGEWOOD SAVINGS BANK VOLUNTARY SHORT TERM DISABILITY PLAN

$49K

$7K

HARTFORD LIFE AND ACCIDENT

RIDGEWOOD SAVINGS BANK

RIDGEWOOD SAVINGS BANK LEGAL SERVICES PLAN

$16K

$3K

PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD