Welfare broker

MSM GENERAL AGENCY INC

Mailing address (most recent filing)

PO BOX 060470

STATEN ISLAND, NY 10306

Total comp: $105K
Commissions: $81K
Fees: $23K
Filings: 7
Sponsors: 7

Carrier mix

Where MSM GENERAL AGENCY INC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNION SECURITY INSURANCE COMPANY33.3%
HARTFORD LIFE AND ACCIDENT33.3%
NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNION SECURITY INSURANCE COMPANY	1	$2.0M	33.3%
HARTFORD LIFE AND ACCIDENT	1	$1.5M	33.3%
NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK	1	$643K	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	2	$2.1M	0.0%	13.21x
NJ	1	$2.0M	0.0%	15.46x

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 MSM GENERAL AGENCY INC's plans by broker comp / premium ratio. Median 2.48% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

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

1-3 of 3 sponsors where MSM GENERAL AGENCY INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
NEW YORK HOTEL TRADES COUNCIL & AFFILIAT STAFF INSURANCE FUND NEW YORK HOTEL TRADES COUNCIL & AFFILIATED LOCALS, STAFF INSURANCE FUND	NY	$1.5M	$37K	HARTFORD LIFE AND ACCIDENT
BOARD OF TRUSTEES NEW YORK HOTEL TRADES COUNCIL & NEW YORK HOTEL TRADES COUNCIL AND HOTEL ASSOCIATION OF NYC INC HEALTH BENEFITS FUND	NY	$643K	$32K	THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK
UAW - LOCAL 259 SOCIAL SECURITY DEPT. LOCAL 259 UAW SOCIAL SECURITY DEPT.	NJ	$2.0M	$2K	THE UNION LABOR LIFE INSURANCE COMPANY

Carrier

Plans

Premium

UNION SECURITY INSURANCE COMPANY

$2.0M

33.3%

HARTFORD LIFE AND ACCIDENT

$1.5M

33.3%

NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK

$643K

33.3%

State

Plans

Premium

State share

Index

$2.1M

0.0%

13.21x

$2.0M

0.0%

15.46x

Sponsor

Loc

Premium

Comp

Carrier

NEW YORK HOTEL TRADES COUNCIL & AFFILIAT STAFF INSURANCE FUND

NEW YORK HOTEL TRADES COUNCIL & AFFILIATED LOCALS, STAFF INSURANCE FUND

$1.5M

$37K

HARTFORD LIFE AND ACCIDENT

BOARD OF TRUSTEES NEW YORK HOTEL TRADES COUNCIL &

NEW YORK HOTEL TRADES COUNCIL AND HOTEL ASSOCIATION OF NYC INC HEALTH BENEFITS FUND

$643K

$32K

THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK

UAW - LOCAL 259 SOCIAL SECURITY DEPT.

LOCAL 259 UAW SOCIAL SECURITY DEPT.

$2.0M

$2K

THE UNION LABOR LIFE INSURANCE COMPANY