Welfare broker

RICHARD F BIBOROSCH

Mailing address (most recent filing)

167 MONMOUTH CIR

BERWYN, PA 19312

Total comp: $127K
Commissions: $127K
Fees: $0
Filings: 3
Sponsors: 3

Carrier mix

Where RICHARD F BIBOROSCH places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

STANDARD INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
STANDARD INSURANCE COMPANY	1	$1.8M	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
PA	1	$1.8M	0.0%	23.98x

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 RICHARD F BIBOROSCH's plans by broker comp / premium ratio. Median 7.42% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of RICHARD F BIBOROSCH's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where RICHARD F BIBOROSCH is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
SAUL EWING LLP SAUL EWING ARNSTEIN & LEHR GROUP BENEFITS PLAN	PA	$1.8M	$134K	STANDARD INSURANCE COMPANY