Welfare broker

PATRICK RUHLE

Mailing address (most recent filing)

14 WALL ST STE 8C

NEW YORK, NY 10005

Total comp: $409K
Commissions: $406K
Fees: $3K
Filings: 77
Sponsors: 77

Carrier mix

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

BLUE CROSS OF CALIFORNIA66.7%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	2	$9.5M	66.7%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$67K	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
TX	1	$67K	0.0%	5.57x
PA	1	$5.8M	0.0%	7.99x
CA	1	$3.6M	0.0%	4.25x

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 PATRICK RUHLE's plans by broker comp / premium ratio. Median 6.41% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

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

1-3 of 3 sponsors where PATRICK RUHLE is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
RAHI SYSTEMS, INC RAHI SYSTEMS, INC BENEFIT PLAN	CA	$3.6M	$234K	BLUE CROSS OF CALIFORNIA
WORTH & COMPANY, INC. WORTH & COMPANY, INC. HEALTH AND PREMIUM	PA	$5.8M	$164K	HIGHMARK INC.
SQUARE GROVE LLC SQUARE GROVE LLC LIFE AND DISABILITY PLAN	TX	$67K	$13K	GUARDIAN LIFE INSURANCE COMPANY

Carrier

Plans

Premium

BLUE CROSS OF CALIFORNIA

$9.5M

66.7%

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

$67K

33.3%

State

Plans

Premium

State share

Index

$67K

0.0%

5.57x

$5.8M

0.0%

7.99x

$3.6M

0.0%

4.25x

Sponsor

Loc

Premium

Comp

Carrier

RAHI SYSTEMS, INC

RAHI SYSTEMS, INC BENEFIT PLAN

$3.6M

$234K

BLUE CROSS OF CALIFORNIA

WORTH & COMPANY, INC.

WORTH & COMPANY, INC. HEALTH AND PREMIUM

$5.8M

$164K

HIGHMARK INC.

SQUARE GROVE LLC

SQUARE GROVE LLC LIFE AND DISABILITY PLAN

$67K

$13K

GUARDIAN LIFE INSURANCE COMPANY