Welfare broker

RICHARD S. BERNSTEIN & ASSOCIATES

Mailing address (most recent filing)

3930 RCA BLVD STE 3008

PALM BEACH GARDENS, FL 33401

Total comp: $385K
Commissions: $186K
Fees: $199K
Filings: 5
Sponsors: 5

Carrier mix

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

UNITEDHEALTHCARE INSURANCE COMPANY33.3%
UPMC HEALTH OPTIONS33.3%
CIGNA HEALTH AND LIFE INSURANCE COMPANY33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	1	$1.4M	33.3%
UPMC HEALTH OPTIONS	1	$1.7M	33.3%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$3.8M	33.3%

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
FL	3	$7.0M	0.1%	25.39x

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 S. BERNSTEIN & ASSOCIATES's plans by broker comp / premium ratio. Median 5.48% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

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

1-3 of 3 sponsors where RICHARD S. BERNSTEIN & ASSOCIATES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
DANIEL J NEWLIN, PA DANIEL J NEWLIN & PARTNERS WELFARE BENEFITS PLAN	FL	$3.8M	$209K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
H AND J CONTRACTING, INC. H AND J CONTRACTING, INC. HEALTH AND WELFARE PLAN	FL	$1.7M	$86K	HEALTH OPTIONS
NEWDAY USA NEWDAY FINANCIAL, LLC WELFARE BENEFIT PLAN	FL	$1.4M	$86K	UNITEDHEALTHCARE INSURANCE COMPANY

Carrier

Plans

Premium

UNITEDHEALTHCARE INSURANCE COMPANY

$1.4M

33.3%

UPMC HEALTH OPTIONS

$1.7M

33.3%

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$3.8M

33.3%

State

Plans

Premium

State share

Index

$7.0M

0.1%

25.39x

Sponsor

Loc

Premium

Comp

Carrier

DANIEL J NEWLIN, PA

DANIEL J NEWLIN & PARTNERS WELFARE BENEFITS PLAN

$3.8M

$209K

CIGNA HEALTH AND LIFE INSURANCE COMPANY

H AND J CONTRACTING, INC.

H AND J CONTRACTING, INC. HEALTH AND WELFARE PLAN

$1.7M

$86K

HEALTH OPTIONS

NEWDAY USA

NEWDAY FINANCIAL, LLC WELFARE BENEFIT PLAN

$1.4M

$86K

UNITEDHEALTHCARE INSURANCE COMPANY