Welfare broker

M&T BANK

Mailing address (most recent filing)

9954 MARYLAND DRIVE STE 2200

HENRICO, VA 23233

Total comp: $11K
Commissions: $11K
Fees: $0
Filings: 5
Sponsors: 5

Carrier mix

Where M&T BANK places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

SENTARA HEALTH PLAN100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
SENTARA HEALTH PLAN	1	$1.9M	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
VA	1	$1.9M	0.0%	45.89x

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 M&T BANK's plans by broker comp / premium ratio. Median 0.52% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of M&T BANK's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where M&T BANK is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ATLANTIC ANESTHISIA, INC. ATLANTIC ANESTHESIA FLEXIBLE BENEFITS PLAN	VA	$1.9M	$10K	SENTARA HEALTH PLANS