Welfare broker

ROBERT HOUGHTON

Mailing address (most recent filing)

535 CONNECTICUT AVE STE 502

NORWALK, CT 06854

Total comp: $113K
Commissions: $110K
Fees: $3K
Filings: 2
Sponsors: 2

Carrier mix

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

BLUE CROSS OF CALIFORNIA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	2	$4.4M	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
TN	1	$2.8M	0.1%	32.46x
MA	1	$1.6M	0.0%	23.11x

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 ROBERT HOUGHTON's plans by broker comp / premium ratio. Median 4.38% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
MASTER SERVICE COMPANIES, LLC MASTER SERVICE COMPANIES HEALTH & WELFARE PLAN	TN	$2.8M	$129K	BLUECROSS BLUESHIELD OF TENNESSEE, INC
APOLLO INTELLIGENCE OPERATING LLC APOLLO INTELLIGENCE OPERATING, LLC HEALTH & WELFARE PLAN	MA	$1.6M	$67K	BLUE CROSS OF IDAHO

Carrier

Plans

Premium

BLUE CROSS OF CALIFORNIA

$4.4M

100.0%

State

Plans

Premium

State share

Index

$2.8M

0.1%

32.46x

$1.6M

0.0%

23.11x

Sponsor

Loc

Premium

Comp

Carrier

MASTER SERVICE COMPANIES, LLC

MASTER SERVICE COMPANIES HEALTH & WELFARE PLAN

$2.8M

$129K

BLUECROSS BLUESHIELD OF TENNESSEE, INC

APOLLO INTELLIGENCE OPERATING LLC

APOLLO INTELLIGENCE OPERATING, LLC HEALTH & WELFARE PLAN

$1.6M

$67K

BLUE CROSS OF IDAHO