Welfare broker

PIONEER INSURANCE AGENCY INC

Mailing address (most recent filing)

652 ALBANY SHAKER RD

ALBANY, NY 12211

Total comp: $191K
Commissions: $191K
Fees: $0
Filings: 7
Sponsors: 7

Carrier mix

Where PIONEER INSURANCE AGENCY INC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

MVP HEALTH CARE50.0%
CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC.50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
MVP HEALTH CARE	1	$2.3M	50.0%
CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC.	1	$2.4M	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
NY	2	$4.7M	0.0%	19.82x

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 PIONEER INSURANCE AGENCY INC's plans by broker comp / premium ratio. Median 4.00% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where PIONEER INSURANCE AGENCY INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
DEPAULA AUTO GROUP, INC. DEPAULA AUTO GROUP, INC. HEALTH & WELFARE PLAN	NY	$2.3M	$97K	CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC.
PIONEER BANK PIONEER BANK WELFARE BENEFIT PLAN	NY	$2.4M	$91K	CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC

Carrier

Plans

Premium

MVP HEALTH CARE

$2.3M

50.0%

CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC.

$2.4M

50.0%

State

Plans

Premium

State share

Index

$4.7M

0.0%

19.82x

Sponsor

Loc

Premium

Comp

Carrier

DEPAULA AUTO GROUP, INC.

DEPAULA AUTO GROUP, INC. HEALTH & WELFARE PLAN

$2.3M

$97K

CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC.

PIONEER BANK

PIONEER BANK WELFARE BENEFIT PLAN

$2.4M

$91K

CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC