Welfare broker

RAMON FINANCIAL SERVICES LLC

Mailing address (most recent filing)

PO BOX 346

SOUTH DEERFIELD, MA 01373

Total comp: $45K
Commissions: $45K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

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

HEALTH NEW ENGLAND, INC.100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
HEALTH NEW ENGLAND, INC.	1	$1.5M	100.0%

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
MA	1	$1.5M	0.0%	46.22x

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 RAMON FINANCIAL SERVICES LLC's plans by broker comp / premium ratio. Median 2.93% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where RAMON FINANCIAL SERVICES LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
DEERFIELD PACKAGING SERVICE, INC. DEERFIELD PACKAGING SERVICE, INC HEALTH & WELFARE PLAN	MA	$1.5M	$45K	HEALTH NEW ENGLAND, INC,