Welfare broker

PREFERRED BENEFITS LLC

Mailing address (most recent filing)

3702 BROWNSBORO ROAD

LOUISVILLE, KY 40207

Total comp: $203K
Commissions: $84K
Fees: $120K
Filings: 16
Sponsors: 16

Carrier mix

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

HARTFORD LIFE AND ACCIDENT50.0%
CIGNA HEALTH AND LIFE INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
HARTFORD LIFE AND ACCIDENT	1	$17K	50.0%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$2.2M	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	1	$2.2M	0.0%	23.18x
MI	1	$17K	0.0%	20.58x

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 PREFERRED BENEFITS LLC's plans by broker comp / premium ratio. Median 13.65% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where PREFERRED BENEFITS LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
CONTROL ASSOCIATES, INC. CONTROL ASSOCIATES, INC.	NJ	$2.2M	$163K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
IMPERIAL DESIGN SERVICE, INC. IMPERIAL DESIGN SERVICE LIFE AND DISABILITY PLAN	MI	$17K	$3K	HARTFORD LIFE AND ACCIDENT

Carrier

Plans

Premium

HARTFORD LIFE AND ACCIDENT

$17K

50.0%

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$2.2M

50.0%

State

Plans

Premium

State share

Index

$2.2M

0.0%

23.18x

$17K

0.0%

20.58x

Sponsor

Loc

Premium

Comp

Carrier

CONTROL ASSOCIATES, INC.

$2.2M

$163K

CIGNA HEALTH AND LIFE INSURANCE COMPANY

IMPERIAL DESIGN SERVICE, INC.

IMPERIAL DESIGN SERVICE LIFE AND DISABILITY PLAN

$17K

$3K

HARTFORD LIFE AND ACCIDENT