Welfare broker

T.M. BURROWS ASSOCIATES, LLC

Mailing address (most recent filing)

P.O. BOX 497

WATERFORD, CT 06385

Total comp: $126K
Commissions: $24K
Fees: $101K
Filings: 1
Sponsors: 1

Carrier mix

Where T.M. BURROWS ASSOCIATES, LLC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

CIGNA HEALTH AND LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$4.2M	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
CT	1	$4.2M	0.1%	105.12x

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 T.M. BURROWS ASSOCIATES, LLC's plans by broker comp / premium ratio. Median 5.17% vs welfare-wide median 6.35% (n=1).

Prospect-flag exposure · vs market baseline

Share of T.M. BURROWS ASSOCIATES, LLC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where T.M. BURROWS ASSOCIATES, LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
APPLIED PHYSICAL SCIENCES CORP. APPLIED PHYSICAL SCIENCES CORP. EMPLOYEE BENEFITS PLAN	CT	$4.2M	$216K	CIGNA HEALTH AND LIFE INSURANCE COMPANY