Welfare broker

RUSSELL J CARPENTIERI

Mailing address (most recent filing)

500 OCEAN DRIVE

APT 9ED

JUNO BEACH, FL 33408

Total comp: $300K
Commissions: $300K
Fees: $0
Filings: 28
Sponsors: 28

Carrier mix

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

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	2	$464K	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
NJ	1	$257K	0.0%	23.18x
CT	1	$208K	0.1%	51.86x

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 RUSSELL J CARPENTIERI's plans by broker comp / premium ratio. Median 8.48% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where RUSSELL J CARPENTIERI is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
BRANDON J BRODERICK ESQ LLC BRANDON J. BRODERICK ESQ LLC HEALTH AND WELFARE PLAN	NJ	$257K	$26K	GUARDIAN LIFE INSURANCE COMPANY
MCI HEALTHCARE LLC DBA MOUNTAINSIDE TREATMENT CENTER MC1 HEALTHCARE LLC DBA MOUNTAINSIDE TREATMENT CENTER ANCILLARY BENEFIT PLAN	CT	$208K	$14K	GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

Carrier

Plans

Premium

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

$464K

100.0%

State

Plans

Premium

State share

Index

$257K

0.0%

23.18x

$208K

0.1%

51.86x

Sponsor

Loc

Premium

Comp

Carrier

BRANDON J BRODERICK ESQ LLC

BRANDON J. BRODERICK ESQ LLC HEALTH AND WELFARE PLAN

$257K

$26K

GUARDIAN LIFE INSURANCE COMPANY

MCI HEALTHCARE LLC DBA MOUNTAINSIDE TREATMENT CENTER

MC1 HEALTHCARE LLC DBA MOUNTAINSIDE TREATMENT CENTER ANCILLARY BENEFIT PLAN

$208K

$14K

GUARDIAN LIFE INSURANCE COMPANY OF AMERICA