Welfare broker

HEALEY & ASSOCIATES

Mailing address (most recent filing)

PO BOX 599

PORTLAND, ME 04112

Carrier mix

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

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
STANDARD INSURANCE COMPANY	3	$955K	37.5%
HCC LIFE INSURANCE COMPANY	1	$809K	12.5%
THE LINCOLN NATIONAL LIFE INSURANCE COMPANY	1	$62K	12.5%
UPMC HEALTH OPTIONS	1	$1.0M	12.5%
UNIMERICA INSURANCE COMPANY	1	$1.3M	12.5%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$538K	12.5%

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
ME	8	$4.7M	2.1%	296.27x

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 HEALEY & ASSOCIATES's plans by broker comp / premium ratio. Median 12.51% vs welfare-wide median 6.29% (n=8).

Prospect-flag exposure · vs market baseline

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

1-8 of 8 sponsors where HEALEY & ASSOCIATES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
KENNEBEC BEHAVIORAL HEALTH KENNEBEC BEHAVIORAL HEALTH MEDICAL PLAN	ME	$1.3M	$195K	UNIMERICA INSURANCE COMPANY
KENNEBEC VALLEY COMMUNITY ACTION PROGRAM KENNEBEC VALLEY COMMUNITY ACTION PROGRAM HEALTH BENEFITS PLAN	ME	$809K	$121K	HCC LIFE INSURANCE COMPANY
KENNEBEC VALLEY COMMUNITY ACTION PROGRAM KENNEBEC VALLEY COMMUNITY ACTION PROGRAM FLEXIBLE BENEFITS PLAN	ME	$370K	$62K	STANDARD INSURANCE COMPANY
KENNEBEC BEHAVIORAL HEALTH KENNEBEC BEHAVIORAL HEALTH GROUP LIFE INSURANCE	ME	$363K	$49K	STANDARD INSURANCE COMPANY
PORT RESOURCES PORT RESOURCES WELFARE PLAN	ME	$1.0M	$48K	COMMUNITY HEALTH OPTIONS
SENIORSPLUS SENIORSPLUS WELFARE PLAN	ME	$538K	$39K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
KENNEBEC BEHAVIORAL HEALTH KENNEBEC BEHAVIORAL HEALTH DENTAL PLAN	ME	$223K	$26K	STANDARD INSURANCE COMPANY
CENTRAL DISTRIBUTORS, INC. CENTRAL DISTRIBUTORS INC GROUP INSURANCE PLAN	ME	$62K	$7K	LINCOLN NATIONAL LIFE INSURANCE COMPANY