Welfare broker

POINT GUARD ADVISORS NETWORK LLC

Mailing address (most recent filing)

110 BUCHMANS CLOSE CIRLCE

FAYETEVILLE, NY 13066

Total comp: $217K
Commissions: $182K
Fees: $35K
Filings: 4
Sponsors: 4

Carrier mix

Where POINT GUARD ADVISORS NETWORK LLC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

COMPANION LIFE INSURANCE COMPANY50.0%
BLUE CROSS OF CALIFORNIA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
COMPANION LIFE INSURANCE COMPANY	1	$241K	50.0%
BLUE CROSS OF CALIFORNIA	1	$7.4M	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	1	$7.4M	0.0%	10.00x
MO	1	$241K	0.0%	9.14x

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 POINT GUARD ADVISORS NETWORK LLC's plans by broker comp / premium ratio. Median 14.78% vs welfare-wide median 6.40% (n=2).

Prospect-flag exposure · vs market baseline

Share of POINT GUARD ADVISORS NETWORK LLC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where POINT GUARD ADVISORS NETWORK LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
STAFF LEASING OF CENTRAL NEW YORK STAFF LEASING OF CENTRAL NEW YORK SECTION 125 BENEFIT PLAN	NY	$7.4M	$154K	EXCELLUS BLUECROSS BLUESHIELD
HEART OF AMERICA BEVERAGE COMPANY LLC HEART OF AMERICA BEVERAGE COMPANY LLC EMPLOYEE HEALTH CARE PLAN	MO	$241K	$66K	COMPANION LIFE INSURANCE COMPANY

Carrier

Plans

Premium

COMPANION LIFE INSURANCE COMPANY

$241K

50.0%

BLUE CROSS OF CALIFORNIA

$7.4M

50.0%

State

Plans

Premium

State share

Index

$7.4M

0.0%

10.00x

$241K

0.0%

9.14x

Sponsor

Loc

Premium

Comp

Carrier

STAFF LEASING OF CENTRAL NEW YORK

STAFF LEASING OF CENTRAL NEW YORK SECTION 125 BENEFIT PLAN

$7.4M

$154K

EXCELLUS BLUECROSS BLUESHIELD

HEART OF AMERICA BEVERAGE COMPANY LLC

HEART OF AMERICA BEVERAGE COMPANY LLC EMPLOYEE HEALTH CARE PLAN

$241K

$66K

COMPANION LIFE INSURANCE COMPANY