Welfare broker

STEPHEN LOURO

Mailing address (most recent filing)

225 WIRELESS BOULEVARD

SUITE 200

HAUPPAUGE, NY 11788

Total comp: $2.1M
Commissions: $24K
Fees: $2.0M
Filings: 3
Sponsors: 3

Carrier mix

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

CIGNA HEALTH AND LIFE INSURANCE COMPANY50.0%
BLUE CROSS OF CALIFORNIA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$43.0M	50.0%
BLUE CROSS OF CALIFORNIA	1	$1.4M	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	$43.0M	0.0%	9.91x
NC	1	$1.4M	0.0%	23.86x

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 STEPHEN LOURO's plans by broker comp / premium ratio. Median 5.68% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where STEPHEN LOURO is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
EMPLOVA EMPLOVA EMPLOYEE BENEFITS PLAN	NY	$43.0M	$3.4M	CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES
JUPITERONE, INC. JUPITERONE HEALTH AND WELFARE PLAN	NC	$1.4M	$46K	BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA

Carrier

Plans

Premium

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$43.0M

50.0%

BLUE CROSS OF CALIFORNIA

$1.4M

50.0%

State

Plans

Premium

State share

Index

$43.0M

0.0%

9.91x

$1.4M

0.0%

23.86x

Sponsor

Loc

Premium

Comp

Carrier

EMPLOVA

EMPLOVA EMPLOYEE BENEFITS PLAN

$43.0M

$3.4M

CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES

JUPITERONE, INC.

JUPITERONE HEALTH AND WELFARE PLAN

$1.4M

$46K

BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA