Welfare broker

PF COMPASS

Mailing address (most recent filing)

440 ROUTE 22 SUITE 190

BRIDGEWATER, NJ 08807

Total comp: $115K
Commissions: $115K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

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

UNITED HEALTHCARE INSURANCE COMPANY50.0%
SUN LIFE ASSURANCE COMPANY OF CANADA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITED HEALTHCARE INSURANCE COMPANY	1	$2.8M	50.0%
SUN LIFE ASSURANCE COMPANY OF CANADA	1	$56K	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
NJ	2	$2.9M	0.1%	46.37x

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 PF COMPASS's plans by broker comp / premium ratio. Median 9.84% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where PF COMPASS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ALL AMERICAN FORD INC. ALL AMERICAN FORD INC. MEDICAL BENEFIT PLAN	NJ	$2.8M	$142K	UNITED HEALTHCARE INSURANCE COMPANY
KOERBER PHARMA SOFTWARE KOERBER PHARMA SOFTWARE WELFARE BENEFIT PLAN	NJ	$56K	$8K	SUN LIFE ASSURANCE COMPANY OF CANADA

Carrier

Plans

Premium

UNITED HEALTHCARE INSURANCE COMPANY

$2.8M

50.0%

SUN LIFE ASSURANCE COMPANY OF CANADA

$56K

50.0%

State

Plans

Premium

State share

Index

$2.9M

0.1%

46.37x

Sponsor

Loc

Premium

Comp

Carrier

ALL AMERICAN FORD INC.

ALL AMERICAN FORD INC. MEDICAL BENEFIT PLAN

$2.8M

$142K

UNITED HEALTHCARE INSURANCE COMPANY

KOERBER PHARMA SOFTWARE

KOERBER PHARMA SOFTWARE WELFARE BENEFIT PLAN

$56K

$8K

SUN LIFE ASSURANCE COMPANY OF CANADA