Welfare broker

SARA GUTTMAN

Mailing address (most recent filing)

5520 13TH AVE.

BROOKLYN, NY 11219

Carrier mix

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

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
SUN LIFE ASSURANCE COMPANY OF CANADA	3	$221K	50.0%
PRINCIPAL LIFE INSURANCE COMPANY	1	$8K	16.7%
HUMANA INSURANCE COMPANY	1	$388K	16.7%
EMBLEMHEALTH	1	$15K	16.7%

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	6	$632K	0.1%	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 SARA GUTTMAN's plans by broker comp / premium ratio. Median 16.21% vs welfare-wide median 6.29% (n=6).

Prospect-flag exposure · vs market baseline

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

1-6 of 6 sponsors where SARA GUTTMAN is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
FUNDING RESERVE, LLC FUNDING RESERVE, LLC HEALTH AND WELFARE PLAN	NY	$388K	$60K	HUMANA INSURANCE COMPANY OF NEW YORK
PLATINUM HOME HEALTH CARE INC. PLATINUM HEALTH CARE BENEFITS TRUST	NY	$133K	$21K	SUN LIFE AND HEALTH INSURANCE COMPANY
ASTRA HOME CARE, INC. DBA TRUE CARE, INC. ASTRA HOME CARE, INC. DBA TRUE CARE PREVENTIVE CARE MEDICAL PLAN	NY	$53K	$12K	SUN LIFE AND HEALTH INSURANCE COMPANY
ULTIMATE CARE, INC. ULTIMATE CARE, INC. HEALTH AND WELFARE PLAN	NY	$35K	$7K	SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.)
SIGNATURE CARE, LLC SIGNATURE CARE, LLC BENEFIT PLAN	NY	$8K	$1K	PRINCIPAL LIFE INSURANCE COMPANY
SIGNATURE CARE CDPAP, LLC SIGNATURE CARE CDPAP, LLC BENEFIT PLAN	NY	$15K	$1K	EMBLEMHEALTH