Welfare broker

IBG INSURANCE SERVICES, LLC

Mailing address (most recent filing)

133 PADDINGTON CIRCLE

SMITHTOWN, NY 11787

Total comp: $48K
Commissions: $48K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

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

CIGNA HEALTH AND LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$1.2M	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	$1.2M	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 IBG INSURANCE SERVICES, LLC's plans by broker comp / premium ratio. Median 4.24% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where IBG INSURANCE SERVICES, LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
NEW YORK CRUISE LINES INC NEW YORK CRUISE LINES INC WELFARE BENEFITS PLAN	NY	$1.2M	$52K	CIGNA HEALTH AND LIFE INSURANCE COMPANY