Welfare broker

RUEBEN WARNER ASSOCIATES, INC.

Mailing address (most recent filing)

1655 RICHMOND AVENUE

STATEN ISLAND, NY 10314

Total comp: $84K
Commissions: $70K
Fees: $15K
Filings: 13
Sponsors: 13

Carrier mix

Where RUEBEN WARNER ASSOCIATES, INC. places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

ZURICH AMERICAN INSURANCE COMPANY50.0%
HARTFORD LIFE AND ACCIDENT50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
ZURICH AMERICAN INSURANCE COMPANY	1	$23K	50.0%
HARTFORD LIFE AND ACCIDENT	1	$750	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
NY	1	$750	0.0%	9.91x
FL	1	$23K	0.0%	12.70x

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 RUEBEN WARNER ASSOCIATES, INC.'s plans by broker comp / premium ratio. Median 35.43% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where RUEBEN WARNER ASSOCIATES, INC. is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
CONMED CORPORATION CONMED CORPORATION TRAVEL ACCIDENT PLAN	FL	$23K	$8K	ZURICH AMERICAN INSURANCE COMPANY
AER LINGUS LIMITED GROUP TRAVEL ACCIDENT	NY	$750	$269	HARTFORD LIFE AND ACCIDENT INSURANCE

Carrier

Plans

Premium

ZURICH AMERICAN INSURANCE COMPANY

$23K

50.0%

HARTFORD LIFE AND ACCIDENT

$750

50.0%

State

Plans

Premium

State share

Index

$750

0.0%

9.91x

$23K

0.0%

12.70x

Sponsor

Loc

Premium

Comp

Carrier

CONMED CORPORATION

CONMED CORPORATION TRAVEL ACCIDENT PLAN

$23K

$8K

ZURICH AMERICAN INSURANCE COMPANY

AER LINGUS LIMITED

GROUP TRAVEL ACCIDENT

$750

$269

HARTFORD LIFE AND ACCIDENT INSURANCE