Welfare broker

HIGHSTREET INSURANCE SERVICES

Mailing address (most recent filing)

697 MILLERS RUN ROAD, BOX 466

CUDDY, PA 15031

Total comp: $50K
Commissions: $46K
Fees: $4K
Filings: 9
Sponsors: 9

Carrier mix

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

UNUM LIFE INSURANCE COMPANY OF AMERICA33.3%
MADISON NATIONAL LIFE INSURANCE COMPANY33.3%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNUM LIFE INSURANCE COMPANY OF AMERICA	1	$273K	33.3%
MADISON NATIONAL LIFE INSURANCE COMPANY	1	$34K	33.3%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$50K	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
PA	1	$34K	0.0%	7.99x
NY	1	$50K	0.0%	6.61x
MI	1	$273K	0.0%	13.72x

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 HIGHSTREET INSURANCE SERVICES's plans by broker comp / premium ratio. Median 12.37% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

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

1-3 of 3 sponsors where HIGHSTREET INSURANCE SERVICES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
NEKDOSHAWGEMEK, LLC NEKDOSHAWGEMEK, LLC HEALTH & WELFARE PLAN	MI	$273K	$31K	UNUM LIFE INSURANCE COMPANY OF AMERICA
THE GUIDANCE CENTER THE GUIDANCE CENTER GROUP INSURANCE PLAN	PA	$34K	$7K	MADISON NATION LIFE INSURANCE CO
COMMUNITY MAINSTREAMING ASSOCIATES, INC. COMMUNITY MAINSTREAMING ASSOCIATES, INC. BENEFITS PLAN	NY	$50K	$6K	GUARDIAN

Carrier

Plans

Premium

UNUM LIFE INSURANCE COMPANY OF AMERICA

$273K

33.3%

MADISON NATIONAL LIFE INSURANCE COMPANY

$34K

33.3%

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

$50K

33.3%

State

Plans

Premium

State share

Index

$34K

0.0%

7.99x

$50K

0.0%

6.61x

$273K

0.0%

13.72x

Sponsor

Loc

Premium

Comp

Carrier

NEKDOSHAWGEMEK, LLC

NEKDOSHAWGEMEK, LLC HEALTH & WELFARE PLAN

$273K

$31K

UNUM LIFE INSURANCE COMPANY OF AMERICA

THE GUIDANCE CENTER

THE GUIDANCE CENTER GROUP INSURANCE PLAN

$34K

$7K

MADISON NATION LIFE INSURANCE CO

COMMUNITY MAINSTREAMING ASSOCIATES, INC.

COMMUNITY MAINSTREAMING ASSOCIATES, INC. BENEFITS PLAN

$50K

$6K

GUARDIAN