Welfare broker

RICHARD RUSCITTI

Mailing address (most recent filing)

1537 N CLYBOURN AVE

UNIT E

CHICAGO, IL 60610

Total comp: $228K
Commissions: $228K
Fees: $9
Filings: 3
Sponsors: 3

Carrier mix

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

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

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	1	$4.1M	50.0%
AETNA LIFE INSURANCE COMPANY	1	$1.3M	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
IL	2	$5.4M	0.0%	28.47x

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 RUSCITTI's plans by broker comp / premium ratio. Median 4.78% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where RICHARD RUSCITTI is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
MARQUETTE BANK MARQUETTE BANK HOSPITALIZATION PLAN FOR EMPLOYEE	IL	$4.1M	$180K	BLUECROSS BLUESHIELD OF ILLINOIS
THE GROVE, INC. THE GROVE, INC. LIFE INSURANCE PLAN	IL	$1.3M	$69K	AETNA LIFE INSURANCE CO.

Carrier

Plans

Premium

BLUE CROSS OF CALIFORNIA

$4.1M

50.0%

AETNA LIFE INSURANCE COMPANY

$1.3M

50.0%

State

Plans

Premium

State share

Index

$5.4M

0.0%

28.47x

Sponsor

Loc

Premium

Comp

Carrier

MARQUETTE BANK

MARQUETTE BANK HOSPITALIZATION PLAN FOR EMPLOYEE

$4.1M

$180K

BLUECROSS BLUESHIELD OF ILLINOIS

THE GROVE, INC.

THE GROVE, INC. LIFE INSURANCE PLAN

$1.3M

$69K

AETNA LIFE INSURANCE CO.