Welfare broker

STEVEN GOODWIN

Mailing address (most recent filing)

5794 MAIN STREET

WILLIAMSVILLE, NY 14221

Total comp: $64K
Commissions: $64K
Fees: $0
Filings: 5
Sponsors: 5

Carrier mix

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

UNUM LIFE INSURANCE COMPANY OF AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNUM LIFE INSURANCE COMPANY OF AMERICA	2	$227K	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
NY	2	$227K	0.0%	19.82x

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 STEVEN GOODWIN's plans by broker comp / premium ratio. Median 12.83% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
LIPPES MATHIAS LLP LIPPES MATHIAS LLP LTD PLAN	NY	$186K	$27K	FIRST UNUM LIFE INSURANCE COMPANY
ORCHARD PARK CCRC, INC. FOX RUN AT ORCHARD PARK	NY	$41K	$5K	FIRST UNUM LIFE INSURANCE COMPANY