Welfare broker

HGID INC

Mailing address (most recent filing)

320 GRANITE RUN DRIVE

LANCASTER, PA 17601

Total comp: $48K
Commissions: $48K
Fees: $0
Filings: 5
Sponsors: 5

Carrier mix

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

HM LIFE INSURANCE COMPANY50.0%
CIGNA HEALTH AND LIFE INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
HM LIFE INSURANCE COMPANY	1	$677K	50.0%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$503K	50.0%

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
PA	2	$1.2M	0.0%	23.98x

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 HGID INC's plans by broker comp / premium ratio. Median 3.48% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where HGID INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
HOMESALE REALTY SERVICES GROUP, INC. HOMESALE REALTY SERVICES GROUP, INC. HEALTH AND WELFARE BENEFIT PLAN	PA	$677K	$22K	HM LIFE INSURANCE COMPANY
DENTECH INC DENTECH, INC. HEALTH AND WELFARE PLAN	PA	$503K	$18K	CIGNA HEALTH AND LIFE INSURANCE COMPANY

Carrier

Plans

Premium

HM LIFE INSURANCE COMPANY

$677K

50.0%

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$503K

50.0%

State

Plans

Premium

State share

Index

$1.2M

0.0%

23.98x

Sponsor

Loc

Premium

Comp

Carrier

HOMESALE REALTY SERVICES GROUP, INC.

HOMESALE REALTY SERVICES GROUP, INC. HEALTH AND WELFARE BENEFIT PLAN

$677K

$22K

HM LIFE INSURANCE COMPANY

DENTECH INC

DENTECH, INC. HEALTH AND WELFARE PLAN

$503K

$18K

CIGNA HEALTH AND LIFE INSURANCE COMPANY