Welfare broker

SCHWARTZ AND ASSOCIATES INC.

Mailing address (most recent filing)

2950 BRECKINRIDGE LN STE 8

LOUISVILLE, KY 40220

Total comp: $70K
Commissions: $64K
Fees: $6K
Filings: 6
Sponsors: 6

Carrier mix

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

HUMANA INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
HUMANA INSURANCE COMPANY	1	$68K	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
IN	1	$68K	0.0%	33.97x

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 SCHWARTZ AND ASSOCIATES INC.'s plans by broker comp / premium ratio. Median 16.06% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
J & J PALLET J&J PALLET CORPORATION HEALTH & WELFARE BENEFIT PLAN (501)	IN	$68K	$11K	HUMANA INSURANCE COMPANY