Welfare broker

JOHN K. HART

Mailing address (most recent filing)

500 BUFFALO ROAD

EAST AURORA, NY 14052

Total comp: $18K
Commissions: $14K
Fees: $4K
Filings: 1
Sponsors: 1

Carrier mix

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

NORTHWESTERN MUTUAL100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
NORTHWESTERN MUTUAL	1	$175K	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	$175K	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 JOHN K. HART's plans by broker comp / premium ratio. Median 12.10% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where JOHN K. HART is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
HODGSON RUSS LLP LONG TERM DISABILITY PLAN FOR EMPLOYEES OF HODGSON RUSS	NY	$175K	$21K	NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY