Welfare broker

INSURANCE COALITION

Mailing address (most recent filing)

417 WALNUT ST

HARRISBURG, PA 17101

Total comp: $15K
Commissions: $15K
Fees: $0
Filings: 7
Sponsors: 7

Carrier mix

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

UNITEDHEALTHCARE INSURANCE COMPANY50.0%
HM LIFE INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	1	$111K	50.0%
HM LIFE INSURANCE COMPANY	1	$142K	50.0%

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
PA	2	$253K	0.0%	23.98x

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 INSURANCE COALITION's plans by broker comp / premium ratio. Median 2.02% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where INSURANCE COALITION is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
NEW HARRISBURG TRUCK BODY COMPANY NEW HARRISBURG TRUCK BODY COMPANY EMPLOYEE BENEFIT PLAN	PA	$142K	$3K	HM LIFE INSURANCE COMPANY
MOREHOUSE INSTRUMENT COMPANY MOREHOUSE INSTRUMENT COMPANY EMPLOYEE BENEFIT PLAN	PA	$111K	$2K	OPTUM HEALTH (UNIMERICA INSURANCE COMPANY)

Carrier

Plans

Premium

UNITEDHEALTHCARE INSURANCE COMPANY

$111K

50.0%

HM LIFE INSURANCE COMPANY

$142K

50.0%

State

Plans

Premium

State share

Index

$253K

0.0%

23.98x

Sponsor

Loc

Premium

Comp

Carrier

NEW HARRISBURG TRUCK BODY COMPANY

NEW HARRISBURG TRUCK BODY COMPANY EMPLOYEE BENEFIT PLAN

$142K

$3K

HM LIFE INSURANCE COMPANY

MOREHOUSE INSTRUMENT COMPANY

MOREHOUSE INSTRUMENT COMPANY EMPLOYEE BENEFIT PLAN

$111K

$2K

OPTUM HEALTH (UNIMERICA INSURANCE COMPANY)