Welfare broker

HERITAGE BENEFIT SOLUTIONS

Mailing address (most recent filing)

135 CROSSWAYS PARK DRIVE

SUITE 402

WOODBURY, NY 11797

Total comp: $225K
Commissions: $25K
Fees: $200K
Filings: 3
Sponsors: 3

Carrier mix

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

CIGNA HEALTH AND LIFE INSURANCE COMPANY66.7%
UNITEDHEALTHCARE INSURANCE COMPANY33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
CIGNA HEALTH AND LIFE INSURANCE COMPANY	2	$3.0M	66.7%
UNITEDHEALTHCARE INSURANCE COMPANY	1	$3.4M	33.3%

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	2	$3.0M	0.0%	13.21x
TN	1	$3.4M	0.1%	21.64x

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 HERITAGE BENEFIT SOLUTIONS's plans by broker comp / premium ratio. Median 6.88% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

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

1-3 of 3 sponsors where HERITAGE BENEFIT SOLUTIONS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
CLK MULTI FAMILY MANAGEMENT, LLC CLK MULTIFAMILY MANAGEMENT, LLC WELFARE BENEFITS PLAN	TN	$3.4M	$237K	UNITEDHEALTHCARE INSURANCE COMPANY
FERRANDINO AND SON, INC. FERRANDINO AND SON, INC. HEALTH AND WELFARE PLAN	NY	$1.8M	$94K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
MONDAY PROPERTIES SERVICES, LLC MONDAY PROPERTIES SERVICES, LLC WRAP BENEFIT PLAN	NY	$1.2M	$81K	CIGNA HEALTH AND LIFE INSURANCE COMPANY

Carrier

Plans

Premium

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$3.0M

66.7%

UNITEDHEALTHCARE INSURANCE COMPANY

$3.4M

33.3%

State

Plans

Premium

State share

Index

$3.0M

0.0%

13.21x

$3.4M

0.1%

21.64x

Sponsor

Loc

Premium

Comp

Carrier

CLK MULTI FAMILY MANAGEMENT, LLC

CLK MULTIFAMILY MANAGEMENT, LLC WELFARE BENEFITS PLAN

$3.4M

$237K

UNITEDHEALTHCARE INSURANCE COMPANY

FERRANDINO AND SON, INC.

FERRANDINO AND SON, INC. HEALTH AND WELFARE PLAN

$1.8M

$94K

CIGNA HEALTH AND LIFE INSURANCE COMPANY

MONDAY PROPERTIES SERVICES, LLC

MONDAY PROPERTIES SERVICES, LLC WRAP BENEFIT PLAN

$1.2M

$81K

CIGNA HEALTH AND LIFE INSURANCE COMPANY