Welfare broker

W D AND ASSOCIATES

Mailing address (most recent filing)

34 HEMINGWAY DR.

EAST PROVIDENCE, RI 02915

Total comp: $51K
Commissions: $21K
Fees: $30K
Filings: 3
Sponsors: 3

Carrier mix

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

TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC.50.0%
BLUE CROSS OF CALIFORNIA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC.	1	$502K	50.0%
BLUE CROSS OF CALIFORNIA	1	$1.9M	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
RI	2	$2.4M	0.7%	399.81x

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 W D AND ASSOCIATES's plans by broker comp / premium ratio. Median 3.38% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where W D AND ASSOCIATES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
PARE CORPORATION PARE CORPORATION EMPLOYEE BENEFIT PLAN	RI	$1.9M	$53K	BLUE CROSS BLUE SHIELD OF RHODE ISLAND
ANCHOR SUBARU, LLC ANCHOR AUTO GROUP HEALTH AND WELFARE BENEFIT PLAN	RI	$502K	$20K	TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC.

Carrier

Plans

Premium

TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC.

$502K

50.0%

BLUE CROSS OF CALIFORNIA

$1.9M

50.0%

State

Plans

Premium

State share

Index

$2.4M

0.7%

399.81x

Sponsor

Loc

Premium

Comp

Carrier

PARE CORPORATION

PARE CORPORATION EMPLOYEE BENEFIT PLAN

$1.9M

$53K

BLUE CROSS BLUE SHIELD OF RHODE ISLAND

ANCHOR SUBARU, LLC

ANCHOR AUTO GROUP HEALTH AND WELFARE BENEFIT PLAN

$502K

$20K

TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC.