Welfare broker

IRWIN TOBIN

Mailing address (most recent filing)

50 CHARLES LINDBERG BLVD

STE 420

UNIONDALE, NY 11553

Total comp: $56K
Commissions: $56K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

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

CIGNA HEALTH AND LIFE INSURANCE COMPANY50.0%
AETNA LIFE INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$1.2M	50.0%
AETNA LIFE INSURANCE COMPANY	1	$97K	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
NJ	2	$1.3M	0.1%	46.37x

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 9.58% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 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	$72K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
CHAMPIONS ONCOLOGY CHAMPIONS ONCOLOGY DENTAL VISION	NJ	$97K	$13K	AETNA LIFE INSURANCE CO.