Welfare broker

HPHC INSURANCE AGENCY, INC.

Mailing address (most recent filing)

93 WORCESTER ST.

WELLESLEY HILLS, MA 02481

Total comp: $684K
Commissions: $673K
Fees: $10K
Filings: 76
Sponsors: 76

Carrier mix

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

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$791K	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	$791K	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 HPHC INSURANCE AGENCY, INC.'s plans by broker comp / premium ratio. Median 3.88% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where HPHC INSURANCE AGENCY, INC. is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
JEWISH HOME FOR THE ELDERLY OF FAIRFIELD COUNTY INC JEWISH HOME FOR THE ELDERLY MEDICAL INSURANCE PLAN	CT	$791K	$31K	GUARDIAN