Welfare broker

PAQUIN & CARROLL, LLC

Mailing address (most recent filing)

260 MAIN STREET

BEDFORD, ME 04005

Total comp: $603K
Commissions: $599K
Fees: $4K
Filings: 4
Sponsors: 4

Carrier mix

Where PAQUIN & CARROLL, LLC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

HARVARD PILGRIM HEALTH CARE50.0%
AMERITAS LIFE INSURANCE CORP.50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
HARVARD PILGRIM HEALTH CARE	1	$1.9M	50.0%
AMERITAS LIFE INSURANCE CORP.	1	$0	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
ME	2	$1.9M	0.5%	296.27x

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 PAQUIN & CARROLL, LLC's plans by broker comp / premium ratio. Median 3.08% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of PAQUIN & CARROLL, LLC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where PAQUIN & CARROLL, LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
SACO & BIDDEFORD SAVINGS INSTITUTION THE SACO & BIDDEFORD SAVINGS INSTITUTION DENTAL PLAN	ME	$0	$499K	AMERITAS INSURANCE CORP
CREATIVE WORK SYSTEMS CREATIVE WORK SYSTEMS HEALTH & WELFARE PLAN	ME	$1.9M	$59K	HARVARD PILGRIM HEALTH CARE

Carrier

Plans

Premium

HARVARD PILGRIM HEALTH CARE

$1.9M

50.0%

AMERITAS LIFE INSURANCE CORP.

50.0%

State

Plans

Premium

State share

Index

$1.9M

0.5%

296.27x

Sponsor

Loc

Premium

Comp

Carrier

SACO & BIDDEFORD SAVINGS INSTITUTION

THE SACO & BIDDEFORD SAVINGS INSTITUTION DENTAL PLAN

$499K

AMERITAS INSURANCE CORP

CREATIVE WORK SYSTEMS

CREATIVE WORK SYSTEMS HEALTH & WELFARE PLAN

$1.9M

$59K

HARVARD PILGRIM HEALTH CARE