Welfare broker

THE HABERMAN GROUP INC

Mailing address (most recent filing)

145 MARCUS BLVD

STE 4

HAUPPAUGE, NY 117883760

Total comp: $30K
Commissions: $30K
Fees: $0
Filings: 3
Sponsors: 3

Carrier mix

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

PRINCIPAL LIFE INSURANCE COMPANY50.0%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
PRINCIPAL LIFE INSURANCE COMPANY	1	$154K	50.0%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$211K	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	2	$365K	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 THE HABERMAN GROUP INC's plans by broker comp / premium ratio. Median 8.97% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where THE HABERMAN GROUP INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
CERTAINTY OF UNCERTAINTY, LLC CERTAINTY OF UNCERTAINTY, LLC DBA KUTTIN WEALTH MANAGEMENT HEALTH AND WELFARE PLAN	NY	$211K	$24K	GUARDIAN LIFE INSURANCE COMPANY OF AMERICA
SA HOSPITALITY GROUP SA HOSPITALITY GROUP HEALTH AND WELFARE BENEFIT PLAN	NY	$154K	$10K	PRINCIPAL LIFE INSURANCE COMPANY

Carrier

Plans

Premium

PRINCIPAL LIFE INSURANCE COMPANY

$154K

50.0%

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

$211K

50.0%

State

Plans

Premium

State share

Index

$365K

0.0%

19.82x

Sponsor

Loc

Premium

Comp

Carrier

CERTAINTY OF UNCERTAINTY, LLC

CERTAINTY OF UNCERTAINTY, LLC DBA KUTTIN WEALTH MANAGEMENT HEALTH AND WELFARE PLAN

$211K

$24K

GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

SA HOSPITALITY GROUP

SA HOSPITALITY GROUP HEALTH AND WELFARE BENEFIT PLAN

$154K

$10K

PRINCIPAL LIFE INSURANCE COMPANY