Welfare broker

MONDSCHEIN ASSOCIATES, INC.

Mailing address (most recent filing)

111 GROVE ST

SUITE 203

MONTCLAIR, NJ 07042

Total comp: $172K
Commissions: $150K
Fees: $23K
Filings: 5
Sponsors: 5

Carrier mix

Where MONDSCHEIN ASSOCIATES, INC. places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

HM LIFE INSURANCE COMPANY50.0%
EMBLEMHEALTH50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
HM LIFE INSURANCE COMPANY	1	$790K	50.0%
EMBLEMHEALTH	1	$2.9M	50.0%

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	$790K	0.0%	9.91x
NC	1	$2.9M	0.0%	23.86x

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 MONDSCHEIN ASSOCIATES, INC.'s plans by broker comp / premium ratio. Median 4.65% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where MONDSCHEIN ASSOCIATES, INC. is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
GLOBAL CONTACT SERVICES, LLC GLOBAL CONTACT SERVICES, LLC EMPLOYEE BENEFITS PLAN	NC	$2.9M	$152K	EMBLEMHEALTH
KRISH ACTUARIAL, INC. KRISH ACTUARIAL, INC. WRAP PLAN	NY	$790K	$32K	HM LIFE INSURANCE COMPANY

Carrier

Plans

Premium

HM LIFE INSURANCE COMPANY

$790K

50.0%

EMBLEMHEALTH

$2.9M

50.0%

State

Plans

Premium

State share

Index

$790K

0.0%

9.91x

$2.9M

0.0%

23.86x

Sponsor

Loc

Premium

Comp

Carrier

GLOBAL CONTACT SERVICES, LLC

GLOBAL CONTACT SERVICES, LLC EMPLOYEE BENEFITS PLAN

$2.9M

$152K

EMBLEMHEALTH

KRISH ACTUARIAL, INC.

KRISH ACTUARIAL, INC. WRAP PLAN

$790K

$32K

HM LIFE INSURANCE COMPANY