Welfare broker

LIFE AND HEALTH INS SVCS

Mailing address (most recent filing)

1716 W DOE RUN ROAD

UNIONVILLE, PA 19375

Total comp: $33K
Commissions: $33K
Fees: $0
Filings: 3
Sponsors: 3

Carrier mix

Where LIFE AND HEALTH INS SVCS places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

CIGNA HEALTH AND LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$319K	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
PA	1	$319K	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 LIFE AND HEALTH INS SVCS's plans by broker comp / premium ratio. Median 14.29% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of LIFE AND HEALTH INS SVCS's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where LIFE AND HEALTH INS SVCS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
MODERN MUSHROOM FARMS, INC. MODERN MUSHROOM FARMS, INC. WELFARE BENEFIT PLAN	PA	$319K	$46K	CIGNA HEALTH AND LIFE INSURANCE COMPANY