Welfare broker

VANGUARD II INC

Mailing address (most recent filing)

UKNOWN

MELVILLE, NY 11747

Total comp: $485K
Commissions: $485K
Fees: $0
Filings: 16
Sponsors: 16

Carrier mix

Where VANGUARD II INC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	2	$183K	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
NY	2	$183K	0.0%	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 VANGUARD II INC's plans by broker comp / premium ratio. Median 9.66% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where VANGUARD II INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
KELLEY BROS. LLC KELLEY BROTHERS, LLC EMPLOYEE BENEFITS PLAN	NY	$100K	$12K	GUARDIAN LIFE INSURANCE COMPANY
CAYUGA SENECA COMMUNITY ACTION AGENCY, INC. CAYUGA SENECA COMMUNITY ACTION AGENCY, INC. EMPLOYEE BENEFITS PLAN	NY	$82K	$6K	GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

Carrier

Plans

Premium

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

$183K

100.0%

State

Plans

Premium

State share

Index

$183K

0.0%

19.82x

Sponsor

Loc

Premium

Comp

Carrier

KELLEY BROS. LLC

KELLEY BROTHERS, LLC EMPLOYEE BENEFITS PLAN

$100K

$12K

GUARDIAN LIFE INSURANCE COMPANY

CAYUGA SENECA COMMUNITY ACTION AGENCY, INC.

CAYUGA SENECA COMMUNITY ACTION AGENCY, INC. EMPLOYEE BENEFITS PLAN

$82K

$6K

GUARDIAN LIFE INSURANCE COMPANY OF AMERICA