Welfare broker

INNOVATIVE BENEFITS INC

Mailing address (most recent filing)

765 E 9TH STREET

SUITE 503

BROOKLYN, NY 11230

Total comp: $336K
Commissions: $336K
Fees: $0
Filings: 7
Sponsors: 7

Carrier mix

Where INNOVATIVE BENEFITS INC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNITEDHEALTHCARE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	1	$2.7M	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	$2.7M	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 INNOVATIVE BENEFITS INC's plans by broker comp / premium ratio. Median 5.35% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where INNOVATIVE BENEFITS INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
SHELTERPOINT LIFE INSURANCE COMPANY SHELTERPOINT LIFE INSURANCE COMPANY WELFARE BENEFIT PLAN	NY	$2.7M	$146K	UNITEDHEALTHCARE INSURANCE COMPANY