Welfare broker

PENNSYLVANIA AUTO ASSOC INS AGY INC

Mailing address (most recent filing)

C-O JOIN KULP

HARRISBURG, PA 17105

Total comp: $943K
Commissions: $804K
Fees: $138K
Filings: 16
Sponsors: 16

Carrier mix

Where PENNSYLVANIA AUTO ASSOC INS AGY INC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

METROPOLITAN LIFE INSURANCE COMPANY33.3%
HM LIFE INSURANCE COMPANY33.3%
AMERICAN FIDELITY ASSURANCE COMPANY33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
METROPOLITAN LIFE INSURANCE COMPANY	2	$177K	33.3%
HM LIFE INSURANCE COMPANY	2	$1.3M	33.3%
AMERICAN FIDELITY ASSURANCE COMPANY	2	$16.0M	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
PA	6	$17.5M	0.1%	23.98x

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 PENNSYLVANIA AUTO ASSOC INS AGY INC's plans by broker comp / premium ratio. Median 10.53% vs welfare-wide median 6.29% (n=6).

Prospect-flag exposure · vs market baseline

Share of PENNSYLVANIA AUTO ASSOC INS AGY INC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-6 of 6 sponsors where PENNSYLVANIA AUTO ASSOC INS AGY INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
PENNSYLVANIA AUTOMOTIVE ASSOCIATION PENNSYLVANIA AUTOMOTIVE ASSOCIATION GROUP INSURANCE TRUST	PA	$13.0M	$1.4M	AMERICAN FIDELITY ASSURANCE COMPANY
PENNSYLVANIA AUTOMOTIVE ASSOCIATION PENNSYLVANIA AUTOMOTIVE ASSOCIATION EXPERIENCE RATED INSURANCE TRUST	PA	$3.0M	$318K	AMERICAN FIDELITY ASSURANCE COMPANY
CRAIG SCOTT, INC. CRAIG SCOTT INC GROUP INSURANCE PLAN	PA	$128K	$21K	METROPOLITAN LIFE INSURANCE COMPANY
KEYSTONE SANITARY LANDFILL, INC. KEYSTONE SANITARY LANDFILL, INC. FLEXIBLE BENEFIT PLAN	PA	$842K	$13K	HM LIFE INSURANCE COMPANY
BUCHANAN AUTOMOTIVE, INC. BUCHANAN AUTOMOTIVE, INC. GROUP HEALTH PLAN	PA	$424K	$6K	HM LIFE INSURANCE COMPANY
FAULKNER TOYOTA FAULKNER MEDICAL PLAN	PA	$49K	$6K	METROPOLITAN LIFE INSURANCE COMPANY