Welfare broker

VALLEY INSURANCE SERVICES, INC.

Mailing address (most recent filing)

UNKNOWN

PARAMUS, NJ 07652

Total comp: $311K
Commissions: $306K
Fees: $5K
Filings: 4
Sponsors: 4

Carrier mix

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

UNITEDHEALTHCARE INSURANCE COMPANY50.0%
CIGNA HEALTH AND LIFE INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	1	$1.6M	50.0%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$1.5M	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
NJ	1	$1.5M	0.0%	23.18x
FL	1	$1.6M	0.0%	12.70x

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 VALLEY INSURANCE SERVICES, INC.'s plans by broker comp / premium ratio. Median 9.78% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where VALLEY INSURANCE SERVICES, INC. is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
EXTECH OPERATING LLC EXTECH BUILDING MATERIALS, INC. GROUP MEDICAL PLAN	NJ	$1.5M	$199K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
HERMAN LAW FIRM PA HERMAN LAW FIRM PA BENEFIT PLAN	FL	$1.6M	$106K	UNITEDHEALTHCARE INSURANCE COMPANY

Carrier

Plans

Premium

UNITEDHEALTHCARE INSURANCE COMPANY

$1.6M

50.0%

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$1.5M

50.0%

State

Plans

Premium

State share

Index

$1.5M

0.0%

23.18x

$1.6M

0.0%

12.70x

Sponsor

Loc

Premium

Comp

Carrier

EXTECH OPERATING LLC

EXTECH BUILDING MATERIALS, INC. GROUP MEDICAL PLAN

$1.5M

$199K

CIGNA HEALTH AND LIFE INSURANCE COMPANY

HERMAN LAW FIRM PA

HERMAN LAW FIRM PA BENEFIT PLAN

$1.6M

$106K

UNITEDHEALTHCARE INSURANCE COMPANY