Welfare broker

PALUMBO GROUP

Mailing address (most recent filing)

168 FOREST AVENUE

LOCUST VALLEY, NY 11560

Total comp: $64K
Commissions: $64K
Fees: $0
Filings: 6
Sponsors: 6

Carrier mix

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

NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK66.7%
CIGNA HEALTH AND LIFE INSURANCE COMPANY33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK	4	$78K	66.7%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	2	$749K	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	6	$827K	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 PALUMBO GROUP's plans by broker comp / premium ratio. Median 11.97% vs welfare-wide median 6.29% (n=6).

Prospect-flag exposure · vs market baseline

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

1-6 of 6 sponsors where PALUMBO GROUP is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
DELMAR INTERNATIONAL NY INC. DELMAR INTERNATIONAL NY INC.	NY	$666K	$73K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
DELMAR INTERNATIONAL NY INC. DELMAR INTERNATIONAL NY INC DENTAL/VISION	NY	$82K	$10K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
DELMAR INTERNATIONAL NY INC. DELMAR INTERNATIONAL NY INC - LTD	NY	$28K	$4K	NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK
DELMAR INTERNATIONAL NY INC. DELMAR INTERNATIONAL NY INC - STD	NY	$31K	$3K	NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK
DELMAR INTERNATIONAL NY INC. DELMAR INTERNATIONAL NY INC LIFE (BASIC & VOLUNTARY)	NY	$17K	$2K	NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK
DELMAR INTERNATIONAL NY INC. DELMAR INTERNATIONAL NY INC - AD&D (BASIC & VOLUNTARY)	NY	$2K	$324	NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK

Carrier

Plans

Premium

NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK

$78K

66.7%

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$749K

33.3%

State

Plans

Premium

State share

Index

$827K

0.1%

19.82x

Sponsor

Loc

Premium

Comp

Carrier

DELMAR INTERNATIONAL NY INC.

$666K

$73K

CIGNA HEALTH AND LIFE INSURANCE COMPANY

DELMAR INTERNATIONAL NY INC.

DELMAR INTERNATIONAL NY INC DENTAL/VISION

$82K

$10K

CIGNA HEALTH AND LIFE INSURANCE COMPANY

DELMAR INTERNATIONAL NY INC.

DELMAR INTERNATIONAL NY INC - LTD

$28K

$4K

NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK

DELMAR INTERNATIONAL NY INC.

DELMAR INTERNATIONAL NY INC - STD

$31K

$3K

NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK

DELMAR INTERNATIONAL NY INC.

DELMAR INTERNATIONAL NY INC LIFE (BASIC & VOLUNTARY)

$17K

$2K

NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK

DELMAR INTERNATIONAL NY INC.

DELMAR INTERNATIONAL NY INC - AD&D (BASIC & VOLUNTARY)

$2K

$324

NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK