Welfare broker

P&A ADMINISTRATIVE SERVICES

Mailing address (most recent filing)

6400 MAIN STREET

SUITE 210

BUFFALO, NY 14221

Total comp: $116K
Commissions: $61K
Fees: $55K
Filings: 4
Sponsors: 4

Carrier mix

Where P&A ADMINISTRATIVE SERVICES places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA50.0%
BLUE CROSS OF CALIFORNIA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$7.1M	50.0%
BLUE CROSS OF CALIFORNIA	1	$1.8M	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	2	$8.8M	0.0%	19.98x

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 P&A ADMINISTRATIVE SERVICES's plans by broker comp / premium ratio. Median 0.52% vs welfare-wide median 6.31% (n=2).

Prospect-flag exposure · vs market baseline

Share of P&A ADMINISTRATIVE SERVICES's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where P&A ADMINISTRATIVE SERVICES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
P&A ADMINISTRATIVE SERVICES, INC. THE P&A GROUP WELFARE BENEFITS PLAN	NY	$1.8M	$18K	HIGHMARK WESTERN NEW YORK
WORLDWIDE TRAVEL STAFFING, LIMITED WORLDWIDE TRAVEL STAFFING, LIMITED GUARDIAN	NY	$7.1M	$3K	GUARDIAN

Carrier

Plans

Premium

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

$7.1M

50.0%

BLUE CROSS OF CALIFORNIA

$1.8M

50.0%

State

Plans

Premium

State share

Index

$8.8M

0.0%

19.98x

Sponsor

Loc

Premium

Comp

Carrier

P&A ADMINISTRATIVE SERVICES, INC.

THE P&A GROUP WELFARE BENEFITS PLAN

$1.8M

$18K

HIGHMARK WESTERN NEW YORK

WORLDWIDE TRAVEL STAFFING, LIMITED

WORLDWIDE TRAVEL STAFFING, LIMITED GUARDIAN

$7.1M

$3K

GUARDIAN