Welfare broker

ANDREW RUHLAND

Mailing address (most recent filing)

2101 ROUTE 70 EAST

CHERRY HILL, NJ 08003

Total comp: $288K
Commissions: $0
Fees: $288K
Filings: 2
Sponsors: 2

Carrier mix

Where ANDREW RUHLAND 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	2	$6.7M	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
VA	2	$6.7M	0.1%	46.07x

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 ANDREW RUHLAND's plans by broker comp / premium ratio. Median 7.69% vs welfare-wide median 6.40% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where ANDREW RUHLAND is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ODDBALL, INC. ODDBALL, INC. HEALTH & WELFARE PLAN	VA	$4.0M	$250K	CAREFIRST BLUECHOICE, INC.
NATIONAL INDUSTRIES FOR THE BLIND NIB HEALTH & WELFARE PLAN	VA	$2.7M	$246K	CAREFIRST BLUECHOICE, INC.