Welfare broker

STYNCHULA HERBERT & ASSOCIATES INC

Mailing address (most recent filing)

23526 LOVAGE COURT

ALDIE, VA 20105

Total comp: $251K
Commissions: $160K
Fees: $91K
Filings: 13
Sponsors: 13

Carrier mix

Where STYNCHULA HERBERT & ASSOCIATES INC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNITEDHEALTHCARE INSURANCE COMPANY50.0%
UNITED OF OMAHA LIFE INSURANCE COMPANY25.0%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA25.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	2	$1.7M	50.0%
UNITED OF OMAHA LIFE INSURANCE COMPANY	1	$77K	25.0%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$225K	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
FL	3	$1.9M	0.1%	19.05x
VA	1	$77K	0.0%	11.47x

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 STYNCHULA HERBERT & ASSOCIATES INC's plans by broker comp / premium ratio. Median 7.96% vs welfare-wide median 6.29% (n=4).

Prospect-flag exposure · vs market baseline

Share of STYNCHULA HERBERT & ASSOCIATES INC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-4 of 4 sponsors where STYNCHULA HERBERT & ASSOCIATES INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
KMS SOLUTIONS, LLC KMS SOLUTIONS LLC HEALTH CARE PLAN	FL	$1.5M	$73K	UNITEDHEALTHCARE INSURANCE COMPANY
KMS SOLUTIONS, LLC KMS SOLUTIONS LLC GROUP LIFE AND DISABILITY INSURANCE PLAN	FL	$201K	$30K	UNITEDHEALTHCARE INSURANCE COMPANY
KMS SOLUTIONS, LLC KMS SOLUTIONS LLC HEALTH PLAN	FL	$225K	$12K	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA
SUBSYSTEM TECHNOLOGIES INC SUBSYSTEM TECHNOLOGIES INC BASIC LIFE/AD&D VOLUNTARY LIFE/VOLUNTARY AD&D SHORT TERM DISABILITY AND LONG TERM DISABILITY PLAN	VA	$77K	$8K	UNITED OF OMAHA LIFE INSURANCE COMPANY

Carrier

Plans

Premium

UNITEDHEALTHCARE INSURANCE COMPANY

$1.7M

50.0%

UNITED OF OMAHA LIFE INSURANCE COMPANY

$77K

25.0%

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

$225K

25.0%

State

Plans

Premium

State share

Index

$1.9M

0.1%

19.05x

$77K

0.0%

11.47x

Sponsor

Loc

Premium

Comp

Carrier

KMS SOLUTIONS, LLC

KMS SOLUTIONS LLC HEALTH CARE PLAN

$1.5M

$73K

UNITEDHEALTHCARE INSURANCE COMPANY

KMS SOLUTIONS, LLC

KMS SOLUTIONS LLC GROUP LIFE AND DISABILITY INSURANCE PLAN

$201K

$30K

UNITEDHEALTHCARE INSURANCE COMPANY

KMS SOLUTIONS, LLC

KMS SOLUTIONS LLC HEALTH PLAN

$225K

$12K

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

SUBSYSTEM TECHNOLOGIES INC

SUBSYSTEM TECHNOLOGIES INC BASIC LIFE/AD&D VOLUNTARY LIFE/VOLUNTARY AD&D SHORT TERM DISABILITY AND LONG TERM DISABILITY PLAN

$77K

$8K

UNITED OF OMAHA LIFE INSURANCE COMPANY