Welfare broker

PHILIP HEALY

Mailing address (most recent filing)

4 MAIN ST C/O RT CONSULTING

PETERBOROUGH, NH 034582418

Total comp: $531K
Commissions: $409K
Fees: $122K
Filings: 14
Sponsors: 14

Carrier mix

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

RELIANCE STANDARD LIFE INSURANCE COMPANY50.0%
GRANULAR INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
RELIANCE STANDARD LIFE INSURANCE COMPANY	1	$10K	50.0%
GRANULAR INSURANCE COMPANY	1	$2.7M	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
OH	1	$10K	0.0%	3.86x
FL	1	$2.7M	0.0%	12.70x

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 PHILIP HEALY's plans by broker comp / premium ratio. Median 7.62% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
ADCS CLINICS, LLC ADCS CLINICS WELFARE BENEFITS PLAN	FL	$2.7M	$204K	GRANULAR INSURANCE COMPANY
ROWMARK, LLC ROWMARK, LLC LIFE INSURANCE PLAN	OH	$10K	$0	RELIANCE STANDARD LIFE INSURANCE COMPANY

Carrier

Plans

Premium

RELIANCE STANDARD LIFE INSURANCE COMPANY

$10K

50.0%

GRANULAR INSURANCE COMPANY

$2.7M

50.0%

State

Plans

Premium

State share

Index

$10K

0.0%

3.86x

$2.7M

0.0%

12.70x

Sponsor

Loc

Premium

Comp

Carrier

ADCS CLINICS, LLC

ADCS CLINICS WELFARE BENEFITS PLAN

$2.7M

$204K

GRANULAR INSURANCE COMPANY

ROWMARK, LLC

ROWMARK, LLC LIFE INSURANCE PLAN

$10K

RELIANCE STANDARD LIFE INSURANCE COMPANY