Welfare broker

ULSTER INSURANCE SERVICES, INC.

Mailing address (most recent filing)

180 SCHWENK DRIVE

KINGSTON, NY 12401

Total comp: $107
Commissions: $107
Fees: $0
Filings: 5
Sponsors: 5

Carrier mix

Where ULSTER INSURANCE SERVICES, INC. places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

SUN LIFE ASSURANCE COMPANY OF CANADA50.0%
MVP HEALTH CARE25.0%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA25.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
SUN LIFE ASSURANCE COMPANY OF CANADA	2	$203K	50.0%
MVP HEALTH CARE	1	$3.1M	25.0%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$65K	25.0%

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	4	$3.4M	0.1%	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 ULSTER INSURANCE SERVICES, INC.'s plans by broker comp / premium ratio. Median 0.13% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of ULSTER INSURANCE SERVICES, INC.'s book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-4 of 4 sponsors where ULSTER INSURANCE SERVICES, INC. is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ULSTER SAVINGS BANK ULSTER SAVINGS BANK DENTAL AND VISION PLAN	NY	$65K	$87	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA
ULSTER SAVINGS BANK ULSTER SAVINGS BANK MEDICAL	NY	$3.1M	$0	CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC.
ULSTER SAVINGS BANK ULSTER SAVINGS BANK LONG TERM DISABILITY, A&D, AND LIFE INSURANCE PLAN	NY	$120K	$0	SUN LIFE AND HEALTH INSURANCE COMPANY (U.S)
ULSTER SAVINGS BANK ULSTER SAVINGS BANK SHORT TERM DISABILITY AND PAID FAMILY LEAVE	NY	$83K	$0	SUN LIFE AND HEALTH INSURANCE COMPANY