Welfare broker

NICHOLAS CUSMANO

Mailing address (most recent filing)

79 PORT HERMAN ROAD

CHESAPEAKE CITY, MD 21915

Total comp: $23K
Commissions: $21K
Fees: $2K
Filings: 20
Sponsors: 20

Carrier mix

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

AETNA LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
AETNA LIFE INSURANCE COMPANY	1	$123K	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
DE	1	$123K	0.4%	409.73x

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 NICHOLAS CUSMANO's plans by broker comp / premium ratio. Median 5.28% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where NICHOLAS CUSMANO is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
MARTINELLI HOLDINGS LLC DBA TODAY MEDIA, INC. MARTINELLI HOLDINGS LLC DBA TODAY MEDIA, INC HEALTH AND WELFARE PLAN	DE	$123K	$6K	AETNA LIFE INSURANCE COMPANY