Welfare broker

MELISSA M. REALI

Mailing address (most recent filing)

6800 JERICHO TURNPIKE, SUITE 202W

SYOSSET, NY 11791

Total comp: $65K
Commissions: $65K
Fees: $0
Filings: 3
Sponsors: 3

Carrier mix

Where MELISSA M. REALI 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	2	$2.1M	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	2	$2.1M	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 MELISSA M. REALI's plans by broker comp / premium ratio. Median 7.36% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of MELISSA M. REALI's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where MELISSA M. REALI is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ROYAL WASTE SERVICES, INC. ROYAL WASTE SERVICES, INC. MEDICAL BENEFITS PLAN	NY	$2.1M	$97K	UNITEDHEALTHCARE INSURANCE COMPANY
ROYAL WASTE SERVICES, INC. ROYAL WASTE SERVICES, INC. LIFE AND ACCIDENT BENEFIT PLAN	NY	$6K	$601	UNITEDHEALTHCARE INSURANCE COMPANY

Carrier

Plans

Premium

UNITEDHEALTHCARE INSURANCE COMPANY

$2.1M

100.0%

State

Plans

Premium

State share

Index

$2.1M

0.0%

19.82x

Sponsor

Loc

Premium

Comp

Carrier

ROYAL WASTE SERVICES, INC.

ROYAL WASTE SERVICES, INC. MEDICAL BENEFITS PLAN

$2.1M

$97K

UNITEDHEALTHCARE INSURANCE COMPANY

ROYAL WASTE SERVICES, INC.

ROYAL WASTE SERVICES, INC. LIFE AND ACCIDENT BENEFIT PLAN

$6K

$601

UNITEDHEALTHCARE INSURANCE COMPANY