Welfare broker

THE ATLANTIC BENEFITS AGENCY

Mailing address (most recent filing)

30 OLD WEST MOUNTAIN ROAD

RIDGEFIELD, CT 06877

Total comp: $278K
Commissions: $63K
Fees: $215K
Filings: 4
Sponsors: 4

Carrier mix

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

UNITEDHEALTHCARE INSURANCE COMPANY50.0%
CIGNA HEALTH AND LIFE INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	1	$2.0M	50.0%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$4.5M	50.0%

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	$4.5M	0.0%	9.91x
NJ	1	$2.0M	0.0%	23.18x

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 THE ATLANTIC BENEFITS AGENCY's plans by broker comp / premium ratio. Median 6.41% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where THE ATLANTIC BENEFITS AGENCY is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
J. FRANK ASSOCIATES, LLC J. FRANK ASSOCIATES, LLC HEALTH AND WELFARE PLAN	NY	$4.5M	$286K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
WHAT IF MEDIA GROUP, LLC WHAT IF MEDIA GROUP LLC EMPLOYEE BENEFITS PLAN	NJ	$2.0M	$131K	UNITEDHEALTHCARE INSURANCE COMPANY

Carrier

Plans

Premium

UNITEDHEALTHCARE INSURANCE COMPANY

$2.0M

50.0%

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$4.5M

50.0%

State

Plans

Premium

State share

Index

$4.5M

0.0%

9.91x

$2.0M

0.0%

23.18x

Sponsor

Loc

Premium

Comp

Carrier

J. FRANK ASSOCIATES, LLC

J. FRANK ASSOCIATES, LLC HEALTH AND WELFARE PLAN

$4.5M

$286K

CIGNA HEALTH AND LIFE INSURANCE COMPANY

WHAT IF MEDIA GROUP, LLC

WHAT IF MEDIA GROUP LLC EMPLOYEE BENEFITS PLAN

$2.0M

$131K

UNITEDHEALTHCARE INSURANCE COMPANY