Welfare broker

SAK ASSOCIATES INC

Mailing address (most recent filing)

9711 WASHINGTONIAN BLVD, STE 350

GAITHERSBURG, MD 20878

Total comp: $133K
Commissions: $7K
Fees: $126K
Filings: 3
Sponsors: 3

Carrier mix

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

CIGNA HEALTH AND LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$2.8M	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
VA	1	$2.8M	0.0%	45.89x

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 SAK ASSOCIATES INC's plans by broker comp / premium ratio. Median 7.32% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where SAK ASSOCIATES INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
AMERICAN REAL ESTATE PARTNERS MANAGEMENT, LLC AMERICAN REAL ESTATE PARTNERS MANAGEMENT, LLC WRAP PLAN	VA	$2.8M	$205K	CIGNA HEALTH AND LIFE INSURANCE COMPANY