Welfare broker

THE HESS AGENCY

Mailing address (most recent filing)

2990 MOUNT JOY RD

MANHEIM, PA 17545

Total comp: $23K
Commissions: $23K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

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

PRINCIPAL LIFE INSURANCE COMPANY50.0%
METROPOLITAN LIFE INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
PRINCIPAL LIFE INSURANCE COMPANY	1	$173K	50.0%
METROPOLITAN LIFE INSURANCE COMPANY	1	$77K	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
PA	2	$250K	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 HESS AGENCY's plans by broker comp / premium ratio. Median 13.65% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
MESSICK FARM EQUIPMENT MESSICK FARM EQUIPMENT, INC WELFARE PLAN	PA	$173K	$24K	PRINCIPAL LIFE INSURANCE COMPANY
COBYS FAMILY SERVICES COBYS FAMILY SERVICES EMPLOYEE BENEFIT PLAN	PA	$77K	$10K	METROPOLITAN LIFE INSURANCE COMPANY

Carrier

Plans

Premium

PRINCIPAL LIFE INSURANCE COMPANY

$173K

50.0%

METROPOLITAN LIFE INSURANCE COMPANY

$77K

50.0%

State

Plans

Premium

State share

Index

$250K

0.0%

23.98x

Sponsor

Loc

Premium

Comp

Carrier

MESSICK FARM EQUIPMENT

MESSICK FARM EQUIPMENT, INC WELFARE PLAN

$173K

$24K

PRINCIPAL LIFE INSURANCE COMPANY

COBYS FAMILY SERVICES

COBYS FAMILY SERVICES EMPLOYEE BENEFIT PLAN

$77K

$10K

METROPOLITAN LIFE INSURANCE COMPANY