Welfare broker

R & B INSURANCE SERVICES LLC

Mailing address (most recent filing)

200 WOODWARD AVE

SUITE B

LOCK HAVEN, PA 17745

Total comp: $226K
Commissions: $200K
Fees: $25K
Filings: 18
Sponsors: 18

Carrier mix

Where R & B INSURANCE SERVICES LLC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

AMERICAN UNITED LIFE INSURANCE COMPANY33.3%
UNITEDHEALTHCARE INSURANCE COMPANY16.7%
NETWORK HEALTH PLAN16.7%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA16.7%
BLUE CROSS OF CALIFORNIA16.7%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
AMERICAN UNITED LIFE INSURANCE COMPANY	2	$548K	33.3%
UNITEDHEALTHCARE INSURANCE COMPANY	1	$131K	16.7%
NETWORK HEALTH PLAN	1	$1.4M	16.7%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$220K	16.7%
BLUE CROSS OF CALIFORNIA	1	$2.5M	16.7%

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
PA	5	$3.4M	0.1%	19.98x
WI	1	$1.4M	0.0%	8.85x

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 R & B INSURANCE SERVICES LLC's plans by broker comp / premium ratio. Median 11.78% vs welfare-wide median 6.29% (n=6).

Prospect-flag exposure · vs market baseline

Share of R & B INSURANCE SERVICES LLC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-6 of 6 sponsors where R & B INSURANCE SERVICES LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
WINDOW SOLUTIONS, INC WINDOW SOLUTIONS, INC BENEFIT PLAN	WI	$1.4M	$116K	NETWORK HEALTH PLAN
CITIZENS & NORTHERN BANK CITIZENS & NORTHERN BANK GROUP HEALTH PPO PLAN	PA	$378K	$58K	AMERICAN UNITED LIFE INSURANCE COMPANY
BLAIR IMAGE ELEMENTS, INC. BLAIR IMAGE ELEMENTS, INC. GROUP INSURANCE PLAN	PA	$2.5M	$48K	HIGHMARK, INC.
ENERSTAR RENTALS AND SERVICES LTD ENERSTAR RENTALS AND SERVICES LTD SECTION 125 PLAN	PA	$170K	$47K	AMERICAN UNITED LIFE INSURANCE COMPANY
TEAM TEN LLC TEAM TEN LLC SECTION 125 PLAN	PA	$220K	$41K	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA
TRUCK MOUNTS INC. TRUCK MOUNTS, INC EMPLOYEE BENEFIT PLAN	PA	$131K	$2K	OPTUM HEALTH (UNIMERICA INSURANCE COMPANY)