Welfare broker

WILLIAM S. FURMAN

Mailing address (most recent filing)

204 METZGER DR

WEST ORANGE, NJ 07052

Total comp: $113
Commissions: $113
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

Where WILLIAM S. FURMAN 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	$8K	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	1	$8K	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 WILLIAM S. FURMAN's plans by broker comp / premium ratio. Median 1.41% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of WILLIAM S. FURMAN's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where WILLIAM S. FURMAN is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
HARVARD CLUB OF NEW YORK CITY HARVARD CLUB OF NEW YORK CITY GROUP LIFE INSURANCE PLAN	NY	$8K	$113	UNUM LIFE INSURANCE COMPANY OF AMERICA