Welfare broker

THE FERMAN GROUP

Mailing address (most recent filing)

800 CONNECTICUT BOULEVARD

SUITE 301

EAST HARTFORD, CT 06108

Total comp: $116K
Commissions: $116K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

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

BLUE CROSS OF CALIFORNIA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	1	$3.2M	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
DE	1	$3.2M	0.4%	409.73x

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 FERMAN GROUP's plans by broker comp / premium ratio. Median 3.66% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where THE FERMAN GROUP is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
COMMUNITY SYSTEMS, INC. COMMUNITY SYSTEMS, INC HEALTH PLAN - DE	DE	$3.2M	$116K	HIGHMARK DELAWARE