Welfare broker

SUSAN E PAYNE & ASSOCIATES

Mailing address (most recent filing)

700 KINDERKAMACK ROAD

ORADELL, NJ 07649

Total comp: $18K
Commissions: $18K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

Where SUSAN E PAYNE & ASSOCIATES 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	1	$171K	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
NJ	1	$171K	0.0%	46.37x

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 SUSAN E PAYNE & ASSOCIATES's plans by broker comp / premium ratio. Median 15.37% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of SUSAN E PAYNE & ASSOCIATES's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where SUSAN E PAYNE & ASSOCIATES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
CARE PLUS NJ, INC. CARE PLUS NJ, INC. EMPLOYEE BENEFIT PLAN	NJ	$171K	$26K	UNUM LIFE INSURANCE COMPANY OF AMERICA