Welfare broker

NESTER INSURANCE INC

Mailing address (most recent filing)

1007 DUCHESS CT

ROYERSFORD, PA 19468

Total comp: $6K
Commissions: $6K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

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

HM LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
HM LIFE INSURANCE COMPANY	1	$145K	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
PA	1	$145K	0.0%	23.98x

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 NESTER INSURANCE INC's plans by broker comp / premium ratio. Median 4.40% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where NESTER INSURANCE INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
SLY FOX BREWING COMPANY, INC. SLY FOX BREWING COMPANY, INC. EMPLOYEE BENEFIT PLAN	PA	$145K	$6K	HM LIFE INSURANCE COMPANY