Welfare broker

W D AND ASSOCIATES

Mailing address (most recent filing)

34 HEMINGWAY DR.

EAST PROVIDENCE, RI 02915

Total comp: $31K
Commissions: $1K
Fees: $30K
Filings: 2
Sponsors: 2

Carrier mix

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

BLUE CROSS OF CALIFORNIA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	1	$1.9M	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
RI	1	$1.9M	0.3%	404.58x

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 2.78% vs welfare-wide median 6.35% (n=1).

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.

1-1 of 1 sponsor 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