Welfare broker

STIRLING BENEFITS

Mailing address (most recent filing)

291 S LAMBERT RD

STE 4

ORANGE, CT 06477

Carrier mix

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

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
SYMETRA LIFE INSURANCE COMPANY	1	$884K	25.0%
NATIONWIDE LIFE INSURANCE COMPANY	1	$473K	25.0%
EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA	1	$27K	25.0%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$2.4M	25.0%

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
CT	4	$3.8M	0.4%	103.72x

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 STIRLING BENEFITS's plans by broker comp / premium ratio. Median 2.68% vs welfare-wide median 6.29% (n=4).

Prospect-flag exposure · vs market baseline

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

1-4 of 4 sponsors where STIRLING BENEFITS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
STAR DISTRIBUTORS, INC. STAR DISTRIBUTORS, INC. EMPLOYEE BENEFIT PLAN	CT	$2.4M	$105K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
NATIONAL INTEGRATED INDUSTRIES INC NATIONAL INTEGRATED INDUSTRIES INC	CT	$27K	$75K	EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA
KING INDUSTRIES, INC. KING INDUSTRIES HEALTH AND DENTAL BENEFITS PLAN	CT	$884K	$9K	SYMETRA LIFE INSURANCE COMPANY
CITY LINE DISTRIBUTORS, INC. CITY LINE DISTRIBUTORS, INC. PLAN	CT	$473K	$2K	NATIONWIDE LIFE INSURANCE COMPANY