Welfare broker

RUSS HEYMAN

Mailing address (most recent filing)

489 STATE ROUTE 52

PO BOX 57

WOODBOURNE, NY 12788

Total comp: $65K
Commissions: $65K
Fees: $0
Filings: 4
Sponsors: 4

Carrier mix

Where RUSS HEYMAN 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	1	$222K	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
NY	1	$222K	0.0%	19.82x

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 RUSS HEYMAN's plans by broker comp / premium ratio. Median 27.32% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where RUSS HEYMAN is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
A.L. GEORGE ,LLC A.L. GEORGE WELFARE PLAN	NY	$222K	$61K	EXCELLUS BLUE CROSS BLUE SHIELD