Welfare broker

PFG BENEFITS, INC.

Mailing address (most recent filing)

75 SECOND ST

STE 702

NEEDHAM, MA 02494

Total comp: $235K
Commissions: $181K
Fees: $54K
Filings: 13
Sponsors: 13

Carrier mix

Where PFG BENEFITS, INC. places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

RELIANCE STANDARD LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
RELIANCE STANDARD LIFE INSURANCE COMPANY	1	$291K	100.0%

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
MA	1	$291K	0.0%	46.22x

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 PFG BENEFITS, INC.'s plans by broker comp / premium ratio. Median 5.43% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where PFG BENEFITS, INC. is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
FLORENCE ELECTRIC LLC FLORENCE ELECTRIC LLC EMPLOYEE BENEFIT PLAN	MA	$291K	$16K	RELIANCE STANDARD LIFE INSURANCE COMPANY