Welfare broker

SWAN & SONS-MORSS COMPANY INC

Mailing address (most recent filing)

P.O. BOX 179

309 EAST WATER STREET

ELMIRA, NY 149020179

Total comp: $15K
Commissions: $14K
Fees: $89
Filings: 5
Sponsors: 5

Carrier mix

Where SWAN & SONS-MORSS COMPANY INC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA	1	$13K	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	1	$13K	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 SWAN & SONS-MORSS COMPANY INC's plans by broker comp / premium ratio. Median 11.23% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of SWAN & SONS-MORSS COMPANY INC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where SWAN & SONS-MORSS COMPANY INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
HUMAN SERVICES AGENCIES HEALTH CARE FUND HUMAN SERVICES AGENCIES HEALTH CARE FUND	NY	$13K	$1K	RENAISSANCE LIFE & HEALTH INSURANCE CO OF AMERICA

Carrier

Plans

Premium

RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA

$13K

100.0%

State

Plans

Premium

State share

Index

$13K

0.0%

19.82x

Sponsor

Loc

Premium

Comp

Carrier

HUMAN SERVICES AGENCIES HEALTH CARE FUND

$13K

$1K

RENAISSANCE LIFE & HEALTH INSURANCE CO OF AMERICA