Welfare broker

IRWIN TOBIN

Mailing address (most recent filing)

50 CHARLES LINDBERG BLVD

UNIONDALE, NY 11553

Total comp: $60K
Commissions: $13K
Fees: $47K
Filings: 3
Sponsors: 3

Carrier mix

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

UNUM LIFE INSURANCE COMPANY OF AMERICA66.7%
CIGNA HEALTH AND LIFE INSURANCE COMPANY33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNUM LIFE INSURANCE COMPANY OF AMERICA	2	$91K	66.7%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$1.2M	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
NJ	3	$1.3M	0.1%	46.77x

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 IRWIN TOBIN's plans by broker comp / premium ratio. Median 18.52% vs welfare-wide median 6.31% (n=3).

Prospect-flag exposure · vs market baseline

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

1-3 of 3 sponsors where IRWIN TOBIN is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
CHAMPIONS ONCOLOGY CHAMPIONS ONCOLOGY MEDICAL	NJ	$1.2M	$70K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
CHAMPIONS ONCOLOGY CHAMPIONS ONCOLOGY LIFE AND AD&D	NJ	$81K	$15K	UNUM LIFE INSURANCE COMPANY OF AMERICA
CHAMPIONS ONCOLOGY CHAMPIONS ONCOLOGY ANCILLARY BENEFIT PLAN	NJ	$10K	$3K	UNUM LIFE INSURANCE COMPANY OF AMERICA

Carrier

Plans

Premium

UNUM LIFE INSURANCE COMPANY OF AMERICA

$91K

66.7%

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$1.2M

33.3%

State

Plans

Premium

State share

Index

$1.3M

0.1%

46.77x

Sponsor

Loc

Premium

Comp

Carrier

CHAMPIONS ONCOLOGY

CHAMPIONS ONCOLOGY MEDICAL

$1.2M

$70K

CIGNA HEALTH AND LIFE INSURANCE COMPANY

CHAMPIONS ONCOLOGY

CHAMPIONS ONCOLOGY LIFE AND AD&D

$81K

$15K

UNUM LIFE INSURANCE COMPANY OF AMERICA

CHAMPIONS ONCOLOGY

CHAMPIONS ONCOLOGY ANCILLARY BENEFIT PLAN

$10K

$3K

UNUM LIFE INSURANCE COMPANY OF AMERICA