Welfare broker

MIRABITO GRESHAM INSURANCE

Mailing address (most recent filing)

423 COMMERCE DRIVE

SUITE 2

VESTAL, NY 13850

Total comp: $83K
Commissions: $83K
Fees: $0
Filings: 4
Sponsors: 4

Carrier mix

Where MIRABITO GRESHAM INSURANCE places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNITED OF OMAHA LIFE INSURANCE COMPANY66.7%
COMPANION LIFE INSURANCE COMPANY33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITED OF OMAHA LIFE INSURANCE COMPANY	2	$666K	66.7%
COMPANION LIFE INSURANCE COMPANY	1	$15K	33.3%

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	3	$681K	0.1%	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 MIRABITO GRESHAM INSURANCE's plans by broker comp / premium ratio. Median 10.00% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

Share of MIRABITO GRESHAM INSURANCE's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-3 of 3 sponsors where MIRABITO GRESHAM INSURANCE is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
MIRABITO HOLDINGS, INC. MIRABITO HOLDINGS, INC. INSURANCE PLAN	NY	$617K	$83K	MUTUAL OF OMAHA INSURANCE
HINMAN, HOWARD & KATTELL, LLP HINMAN, HOWARD & KATTELL, LLP LONG TERM DISABILITY PLAN	NY	$50K	$5K	MUTUAL OF OMAHA INSURANCE COMPANY
HINMAN, HOWARD & KATTELL, LLP HINMAN, HOWARD & KATTELL, LLP LIFE INSURANCE PLAN	NY	$15K	$1K	COMPANION LIFE INSURANCE COMPANY

Carrier

Plans

Premium

UNITED OF OMAHA LIFE INSURANCE COMPANY

$666K

66.7%

COMPANION LIFE INSURANCE COMPANY

$15K

33.3%

State

Plans

Premium

State share

Index

$681K

0.1%

19.82x

Sponsor

Loc

Premium

Comp

Carrier

MIRABITO HOLDINGS, INC.

MIRABITO HOLDINGS, INC. INSURANCE PLAN

$617K

$83K

MUTUAL OF OMAHA INSURANCE

HINMAN, HOWARD & KATTELL, LLP

HINMAN, HOWARD & KATTELL, LLP LONG TERM DISABILITY PLAN

$50K

$5K

MUTUAL OF OMAHA INSURANCE COMPANY

HINMAN, HOWARD & KATTELL, LLP

HINMAN, HOWARD & KATTELL, LLP LIFE INSURANCE PLAN

$15K

$1K

COMPANION LIFE INSURANCE COMPANY