Welfare broker

HORACIO J. CABRAL

Mailing address (most recent filing)

37 DARTMOUTH LN

EAST LONGMEADOW, MA 01028

Total comp: $36K
Commissions: $36K
Fees: $577
Filings: 7
Sponsors: 7

Carrier mix

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

METROPOLITAN LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
METROPOLITAN LIFE INSURANCE COMPANY	1	$485K	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
CT	1	$485K	0.1%	103.72x

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 HORACIO J. CABRAL's plans by broker comp / premium ratio. Median 10.58% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where HORACIO J. CABRAL is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
JETOBRA, INC. DBA HOFFMAN AUTO GROUP JETOBRA, INC DBA HOFFMAN AUTO HEALTH AND WELFARE PLAN	CT	$485K	$51K	METLIFE