Welfare broker

RUTHERFORD FINANCIAL SERVICES INC.

Mailing address (most recent filing)

5912 LINGLESTOWN ROAD

PO BOX 6118

HARRISBURG, PA 17112

Total comp: $130K
Commissions: $120K
Fees: $10K
Filings: 17
Sponsors: 17

Carrier mix

Where RUTHERFORD FINANCIAL SERVICES INC. places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

BLUE CROSS OF CALIFORNIA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	1	$1.8M	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	$1.8M	0.0%	24.10x

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 RUTHERFORD FINANCIAL SERVICES INC.'s plans by broker comp / premium ratio. Median 5.47% vs welfare-wide median 6.31% (n=1).

Prospect-flag exposure · vs market baseline

Share of RUTHERFORD FINANCIAL SERVICES INC.'s book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where RUTHERFORD FINANCIAL SERVICES INC. is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
H.L. BOWMAN, LLC H.L. BOWMAN HEALTH & WELFARE PLAN	PA	$1.8M	$101K	HIGHMARK INC