Welfare broker

SMALL BUSINESS INSURANCE AGENCY

Mailing address (most recent filing)

38 AUSTIN STREET

WORCESTER, MA 01609

Total comp: $410K
Commissions: $371K
Fees: $39K
Filings: 7
Sponsors: 7

Carrier mix

Where SMALL BUSINESS INSURANCE AGENCY 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	3	$10.3M	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
MA	3	$10.3M	0.1%	46.22x

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 SMALL BUSINESS INSURANCE AGENCY's plans by broker comp / premium ratio. Median 3.34% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

Share of SMALL BUSINESS INSURANCE AGENCY's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-3 of 3 sponsors where SMALL BUSINESS INSURANCE AGENCY is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
UNIFIED2 GLOBAL PACKAGING GROUP LLC MEDICAL PLAN UNIFIED2 GLOBAL PACKAGING GROUP LLC MEDICAL PLAN	MA	$8.4M	$138K	BLUE CROSS BLUE SHIELD OF MA
INTUVIE HOLDINGS LLC INTUVIE HOLDINGS LLC EMPLOYEE BENEFIT PLAN	MA	$221K	$64K	BLUE CROSS BLUE SHIELD OF MA
VETERANS INC. VETERANS INC EMPLOYEE BENEFIT PLAN	MA	$1.8M	$59K	BLUE CROSS BLUE SHIELD OF MA

Carrier

Plans

Premium

BLUE CROSS OF CALIFORNIA

$10.3M

100.0%

State

Plans

Premium

State share

Index

$10.3M

0.1%

46.22x

Sponsor

Loc

Premium

Comp

Carrier

UNIFIED2 GLOBAL PACKAGING GROUP LLC MEDICAL PLAN

$8.4M

$138K

BLUE CROSS BLUE SHIELD OF MA

INTUVIE HOLDINGS LLC

INTUVIE HOLDINGS LLC EMPLOYEE BENEFIT PLAN

$221K

$64K

BLUE CROSS BLUE SHIELD OF MA

VETERANS INC.

VETERANS INC EMPLOYEE BENEFIT PLAN

$1.8M

$59K

BLUE CROSS BLUE SHIELD OF MA