Welfare broker

MARK F RUBINSTEIN

Mailing address (most recent filing)

573 DALE DR

INCLINE VILLAGE, NV 894518302

Total comp: $70K
Commissions: $70K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

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

UNITEDHEALTHCARE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	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
NY	1	$1.9M	0.0%	19.98x

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 MARK F RUBINSTEIN's plans by broker comp / premium ratio. Median 5.57% vs welfare-wide median 6.31% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where MARK F RUBINSTEIN is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
JOSEPH P ADDABBO FAMILY HEALTH CENTER JOSEPH P ADDABBO FAMILY HEALTH CENTER EMPLOYEE BENEFITS PLAN	NY	$1.9M	$106K	UNITEDHEALTHCARE INSURANCE COMPANY