Welfare broker

TRI-STATE UNION BENEFITS

Mailing address (most recent filing)

177 W ROCK AVE

NEW HAVEN, CT 06515

Total comp: $397K
Commissions: $362K
Fees: $35K
Filings: 2
Sponsors: 2

Carrier mix

Where TRI-STATE UNION BENEFITS places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UPMC HEALTH OPTIONS50.0%
CIGNA HEALTH AND LIFE INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UPMC HEALTH OPTIONS	1	$8.3M	50.0%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$4.3M	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	$4.3M	0.0%	9.91x
CT	1	$8.3M	0.1%	51.86x

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 TRI-STATE UNION BENEFITS's plans by broker comp / premium ratio. Median 5.23% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of TRI-STATE UNION BENEFITS's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where TRI-STATE UNION BENEFITS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
TRANSPORT WORKERS UNION L 100 RETIREES' ASSOCIATION DENTAL AND OPTICAL TRANSPORT WORKERS UNION LOCAL 100 RETIREES' ASSOCIATION DENTAL AND OPTICAL INSURANCE PLAN	NY	$4.3M	$360K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
CENVEO WORLDWIDE LIMITED CENVEO WORLDWIDE LIMITED EMPLOYEE WELFARE BENEFITS PLAN	CT	$8.3M	$169K	UPMC HEALTH OPTIONS

Carrier

Plans

Premium

UPMC HEALTH OPTIONS

$8.3M

50.0%

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$4.3M

50.0%

State

Plans

Premium

State share

Index

$4.3M

0.0%

9.91x

$8.3M

0.1%

51.86x

Sponsor

Loc

Premium

Comp

Carrier

TRANSPORT WORKERS UNION L 100 RETIREES' ASSOCIATION DENTAL AND OPTICAL

TRANSPORT WORKERS UNION LOCAL 100 RETIREES' ASSOCIATION DENTAL AND OPTICAL INSURANCE PLAN

$4.3M

$360K

CIGNA HEALTH AND LIFE INSURANCE COMPANY

CENVEO WORLDWIDE LIMITED

CENVEO WORLDWIDE LIMITED EMPLOYEE WELFARE BENEFITS PLAN

$8.3M

$169K

UPMC HEALTH OPTIONS