Welfare broker

ST INSURANCE AGENCY INC

Mailing address (most recent filing)

128 SOUTH STREET

PITTSFIELD, MA 01201

Total comp: $188K
Commissions: $0
Fees: $188K
Filings: 2
Sponsors: 2

Carrier mix

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

UNITEDHEALTHCARE INSURANCE COMPANY50.0%
CIGNA HEALTH AND LIFE INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	1	$3.0M	50.0%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$1.9M	50.0%

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
NY	1	$3.0M	0.0%	9.91x
MA	1	$1.9M	0.0%	23.11x

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 ST INSURANCE AGENCY INC's plans by broker comp / premium ratio. Median 5.46% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where ST INSURANCE AGENCY INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
GUARDIAN NEWS & MEDIA LLC GUARDIAN NEWS & MEDIA LLC	NY	$3.0M	$151K	UNITEDHEALTHCARE INSURANCE COMPANY
BERKSHIRE STERILE MANUFACTURING LLC BERKSHIRE STERILE MANUFACTURING LLC EMPLOYEE BENEFITS PLAN	MA	$1.9M	$113K	CIGNA HEALTH AND LIFE INSURANCE COMPANY

Carrier

Plans

Premium

UNITEDHEALTHCARE INSURANCE COMPANY

$3.0M

50.0%

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$1.9M

50.0%

State

Plans

Premium

State share

Index

$3.0M

0.0%

9.91x

$1.9M

0.0%

23.11x

Sponsor

Loc

Premium

Comp

Carrier

GUARDIAN NEWS & MEDIA LLC

$3.0M

$151K

UNITEDHEALTHCARE INSURANCE COMPANY

BERKSHIRE STERILE MANUFACTURING LLC

BERKSHIRE STERILE MANUFACTURING LLC EMPLOYEE BENEFITS PLAN

$1.9M

$113K

CIGNA HEALTH AND LIFE INSURANCE COMPANY