Welfare broker

SPRING INSURANCE GROUP LLC

Mailing address (most recent filing)

30 FEDERAL STREET 4TH FLOOR

BOSTON, MA 02110

Total comp: $991K
Commissions: $640K
Fees: $351K
Filings: 10
Sponsors: 10

Carrier mix

Where SPRING INSURANCE GROUP LLC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

STANDARD INSURANCE COMPANY33.3%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA33.3%
AFLAC33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
STANDARD INSURANCE COMPANY	1	$2.8M	33.3%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$349K	33.3%
AFLAC	1	$12.3M	33.3%

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	2	$3.1M	0.1%	30.81x
TX	1	$12.3M	0.0%	5.57x

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 SPRING INSURANCE GROUP LLC's plans by broker comp / premium ratio. Median 7.68% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

Share of SPRING INSURANCE GROUP LLC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-3 of 3 sponsors where SPRING INSURANCE GROUP LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
PHYSICIANS ORGANIZATION AT CHILDRENS HOSPITAL INC PHYSICIANS ORGANIZATION AT CHILDRENS HOSPITAL INC	MA	$2.8M	$213K	STANDARD INSURANCE COMPANY
HOLYOKE HEALTH CENTER HOLYOKE HEALTH CENTER GROUP HEALTH & WELFARE PLANS	MA	$349K	$45K	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA
PHILLIPS 66 COMPANY PHILLIPS 66 GROUP LIFE INSURANCE PLAN	TX	$12.3M	$22K	CONTINENTAL AMERICAN INSURANCE COMPANY

Carrier

Plans

Premium

STANDARD INSURANCE COMPANY

$2.8M

33.3%

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

$349K

33.3%

AFLAC

$12.3M

33.3%

State

Plans

Premium

State share

Index

$3.1M

0.1%

30.81x

$12.3M

0.0%

5.57x

Sponsor

Loc

Premium

Comp

Carrier

PHYSICIANS ORGANIZATION AT CHILDRENS HOSPITAL INC

$2.8M

$213K

STANDARD INSURANCE COMPANY

HOLYOKE HEALTH CENTER

HOLYOKE HEALTH CENTER GROUP HEALTH & WELFARE PLANS

$349K

$45K

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

PHILLIPS 66 COMPANY

PHILLIPS 66 GROUP LIFE INSURANCE PLAN

$12.3M

$22K

CONTINENTAL AMERICAN INSURANCE COMPANY