Welfare broker

MASSACHUSETTS FINC SERVICES INS

Mailing address (most recent filing)

ONE WASHINGTON MALL

8TH FLOOR

BOSTON, MA 02108

Total comp: $13K
Commissions: $12K
Fees: $504
Filings: 1
Sponsors: 1

Carrier mix

Where MASSACHUSETTS FINC SERVICES INS places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

HARTFORD LIFE AND ACCIDENT100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
HARTFORD LIFE AND ACCIDENT	1	$115K	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
MA	1	$115K	0.0%	46.57x

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 MASSACHUSETTS FINC SERVICES INS's plans by broker comp / premium ratio. Median 10.95% vs welfare-wide median 6.40% (n=1).

Prospect-flag exposure · vs market baseline

Share of MASSACHUSETTS FINC SERVICES INS's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where MASSACHUSETTS FINC SERVICES INS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
MECHANICS COOPERATIVE BANK MECHANICS COOPERATIVE BANK	MA	$115K	$13K	THE HARTFORD LIFE AND ACCIDENT