Welfare broker

UNIVERSAL EMPLOYEE BENEFITS SOLUTIO

Mailing address (most recent filing)

1000 DUNHAM DR

DUNMORE, PA 18512

Total comp: $90K
Commissions: $86K
Fees: $4K
Filings: 16
Sponsors: 16

Carrier mix

Where UNIVERSAL EMPLOYEE BENEFITS SOLUTIO places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

METROPOLITAN LIFE INSURANCE COMPANY33.3%
HM LIFE INSURANCE COMPANY33.3%
FAIR AMERICAN INSURANCE AND REINSURANCE COMPANY33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
METROPOLITAN LIFE INSURANCE COMPANY	1	$65K	33.3%
HM LIFE INSURANCE COMPANY	1	$177K	33.3%
FAIR AMERICAN INSURANCE AND REINSURANCE COMPANY	1	$819K	33.3%

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	3	$1.1M	0.1%	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 UNIVERSAL EMPLOYEE BENEFITS SOLUTIO's plans by broker comp / premium ratio. Median 4.33% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

Share of UNIVERSAL EMPLOYEE BENEFITS SOLUTIO's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-3 of 3 sponsors where UNIVERSAL EMPLOYEE BENEFITS SOLUTIO is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
MOUNT AIRY #1, LLC MOUNT AIRY 1, LLC DBA MOUNT AIRY CASINO RESORT PLAN	PA	$819K	$35K	FAIR AMERICAN INSURANCE AND REINSURANCE COMPANY
RLE EQUIPMENT, INC. RLE EQUIPMENT, INC. GROUP INSURANCE PLAN	PA	$65K	$3K	METROPOLITAN LIFE INSURANCE COMPANY
TRANS-MED AMBULANCE INC. TRANS-MED AMBULANCE INC. EMPLOYEE BENEFIT PLAN	PA	$177K	$3K	HM LIFE INSURANCE COMPANY

Carrier

Plans

Premium

METROPOLITAN LIFE INSURANCE COMPANY

$65K

33.3%

HM LIFE INSURANCE COMPANY

$177K

33.3%

FAIR AMERICAN INSURANCE AND REINSURANCE COMPANY

$819K

33.3%

State

Plans

Premium

State share

Index

$1.1M

0.1%

23.98x

Sponsor

Loc

Premium

Comp

Carrier

MOUNT AIRY #1, LLC

MOUNT AIRY 1, LLC DBA MOUNT AIRY CASINO RESORT PLAN

$819K

$35K

FAIR AMERICAN INSURANCE AND REINSURANCE COMPANY

RLE EQUIPMENT, INC.

RLE EQUIPMENT, INC. GROUP INSURANCE PLAN

$65K

$3K

METROPOLITAN LIFE INSURANCE COMPANY

TRANS-MED AMBULANCE INC.

TRANS-MED AMBULANCE INC. EMPLOYEE BENEFIT PLAN

$177K

$3K

HM LIFE INSURANCE COMPANY