Welfare broker

NBT INSURANCE AGENCY LLC

Mailing address (most recent filing)

66 SOUTH BROAD ST

SUITE 2

NORWICH, NY 13815

Carrier mix

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

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	2	$3.4M	50.0%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$114K	25.0%
DELTA DENTAL OF CALIFORNIA	1	$2.9M	25.0%

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	4	$6.4M	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 NBT INSURANCE AGENCY LLC's plans by broker comp / premium ratio. Median 6.43% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

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

1-4 of 4 sponsors where NBT INSURANCE AGENCY LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
NBT BANCORP INC. NBT BANCORP INC. WELFARE BENEFIT PLAN	NY	$2.9M	$185K	DELTA DENTAL OF NEW YORK
HINMAN, HOWARD & KATTELL, LLP HINMAN, HOWARD & KATTELL, LLP HEALTH PLAN	NY	$1.3M	$57K	EXCELLUS BLUECROSS BLUESHIELD
TEAMWORLD, INC TEAMWORLD, INC	NY	$114K	$14K	GUARDIAN
DELAWARE OTSEGO CORPORATION DELAWARE OTSEGO CORPORATION PREMIUM CONVERSION PLAN	NY	$2.1M	$0	EXCELLUS BLUE CROSS BLUE SHIELD