Welfare broker

INTEGRITY ASSOCIATES INS. SERVICES

Mailing address (most recent filing)

123 PINE VALLEY DRIVE

MIDDLETOWN, DE 19709

Total comp: $703K
Commissions: $701K
Fees: $1K
Filings: 14
Sponsors: 14

Carrier mix

Where INTEGRITY ASSOCIATES INS. SERVICES places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

CIGNA HEALTH AND LIFE INSURANCE COMPANY66.7%
VISION SERVICE PLAN33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
CIGNA HEALTH AND LIFE INSURANCE COMPANY	2	$31.9M	66.7%
VISION SERVICE PLAN	1	$167K	33.3%

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
CA	3	$32.1M	0.0%	12.75x

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 INTEGRITY ASSOCIATES INS. SERVICES's plans by broker comp / premium ratio. Median 1.70% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

Share of INTEGRITY ASSOCIATES INS. SERVICES's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-3 of 3 sponsors where INTEGRITY ASSOCIATES INS. SERVICES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
NMB (USA) INC. NMB USA INC. HEALTH PLAN	CA	$28.0M	$431K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
TSMC NORTH AMERICA TSMC NA HEALTH & WELFARE PLAN	CA	$3.9M	$262K	CIGNA HEALTH & LIFE INSURANCE CO.
NMB (USA) INC. NMB USA INC. VISION PLAN	CA	$167K	$3K	VISION SERVICE PLAN

Carrier

Plans

Premium

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$31.9M

66.7%

VISION SERVICE PLAN

$167K

33.3%

State

Plans

Premium

State share

Index

$32.1M

0.0%

12.75x

Sponsor

Loc

Premium

Comp

Carrier

NMB (USA) INC.

NMB USA INC. HEALTH PLAN

$28.0M

$431K

CIGNA HEALTH AND LIFE INSURANCE COMPANY

TSMC NORTH AMERICA

TSMC NA HEALTH & WELFARE PLAN

$3.9M

$262K

CIGNA HEALTH & LIFE INSURANCE CO.

NMB (USA) INC.

NMB USA INC. VISION PLAN

$167K

$3K

VISION SERVICE PLAN