Welfare broker

HIGGINS AGENCY GROUP

Mailing address (most recent filing)

270 NORTHPOINTE PARKWAY

SUITE 10

AMHERST, NY 14228

Total comp: $38K
Commissions: $38K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

Where HIGGINS AGENCY GROUP 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	$2.0M	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	$2.0M	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 HIGGINS AGENCY GROUP's plans by broker comp / premium ratio. Median 3.99% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where HIGGINS AGENCY GROUP is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
RPCI ONCOLOGY, PC RPCI ONCOLOGY, PC ERISA WRAP DOC	NY	$2.0M	$81K	HIGHMARK WESTERN AND NORTHEASTERN NEW YORK