Welfare broker

ROCHE FINANCIAL INC

Mailing address (most recent filing)

1610 EAST THIRD ST

WILLIAMSPORT, PA 17701

Total comp: $114K
Commissions: $114K
Fees: $0
Filings: 10
Sponsors: 10

Carrier mix

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

BERKLEY LIFE AND HEALTH INSURANCE COMPANY33.3%
NIPPON LIFE INSURANCE COMPANY OF AMERICA33.3%
BLUE CROSS OF CALIFORNIA33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BERKLEY LIFE AND HEALTH INSURANCE COMPANY	1	$590K	33.3%
NIPPON LIFE INSURANCE COMPANY OF AMERICA	1	$804K	33.3%
BLUE CROSS OF CALIFORNIA	1	$721K	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
PA	3	$2.1M	0.1%	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 ROCHE FINANCIAL INC's plans by broker comp / premium ratio. Median 6.16% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

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

1-3 of 3 sponsors where ROCHE FINANCIAL INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
JOHN SAVOY & SON, INC. JOHN SAVOY & SON INC., HEALTH & WELFARE BENEFITS PLAN	PA	$804K	$54K	NIPPON LIFE BENEFITS
JERSEY SHORE STEEL COMPANY JERSEY SHORE STEEL COMPANY EMPLOYEE BENEFIT PLAN	PA	$590K	$36K	BERKLEY LIFE AND HEALTH INSURANCE COMPANY
FAIRFIELD AUTO GROUP, INC. FAIRFIELD AUTO GROUP HEALTH BENEFIT PLAN	PA	$721K	$34K	HIGHMARK INC.

Carrier

Plans

Premium

BERKLEY LIFE AND HEALTH INSURANCE COMPANY

$590K

33.3%

NIPPON LIFE INSURANCE COMPANY OF AMERICA

$804K

33.3%

BLUE CROSS OF CALIFORNIA

$721K

33.3%

State

Plans

Premium

State share

Index

$2.1M

0.1%

23.98x

Sponsor

Loc

Premium

Comp

Carrier

JOHN SAVOY & SON, INC.

JOHN SAVOY & SON INC., HEALTH & WELFARE BENEFITS PLAN

$804K

$54K

NIPPON LIFE BENEFITS

JERSEY SHORE STEEL COMPANY

JERSEY SHORE STEEL COMPANY EMPLOYEE BENEFIT PLAN

$590K

$36K

BERKLEY LIFE AND HEALTH INSURANCE COMPANY

FAIRFIELD AUTO GROUP, INC.

FAIRFIELD AUTO GROUP HEALTH BENEFIT PLAN

$721K

$34K

HIGHMARK INC.