Welfare broker

USHER AND ASSOCIATES LLC

Mailing address (most recent filing)

8134 E CACTUS RD STE 600

SCOTTSDALE, AZ 85260

Total comp: $49K
Commissions: $49K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

Where USHER AND ASSOCIATES LLC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNUM LIFE INSURANCE COMPANY OF AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNUM LIFE INSURANCE COMPANY OF AMERICA	1	$3K	100.0%

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
HI	1	$3K	0.2%	283.20x

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 USHER AND ASSOCIATES LLC's plans by broker comp / premium ratio. Median 12.06% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of USHER AND ASSOCIATES LLC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where USHER AND ASSOCIATES LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
THE CLUB AT KUKUI'ULA THE CLUB AT KUKUI'ULA HEALTH AND WELFARE BENEFITS PLAN	HI	$3K	$363	UNUM LIFE INSURANCE COMPANY OF AMERICA