Welfare broker

THE GLADFELTER AGENCY

Mailing address (most recent filing)

221 WEST PHILADELPHIA STREET, 4TH F

YORK, PA 17401

Total comp: $4K
Commissions: $4K
Fees: $0
Filings: 3
Sponsors: 3

Carrier mix

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

LIFE INSURANCE COMPANY OF NORTH AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
LIFE INSURANCE COMPANY OF NORTH AMERICA	1	$5K	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
PA	1	$5K	0.0%	23.98x

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 GLADFELTER AGENCY's plans by broker comp / premium ratio. Median 4.99% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
SPECIALTY BAKERS LLC SPECIALTY BAKERS VISION PLAN	PA	$5K	$243	VISION BENEFITS OF AMERICA