Welfare broker

4 QUOTES LLC

Mailing address (most recent filing)

3050 BISCAYNE BLVD 700

MIAMI, FL 33137

Total comp: $80K
Commissions: $35K
Fees: $46K
Filings: 2
Sponsors: 2

Carrier mix

Where 4 QUOTES LLC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

CIGNA HEALTH AND LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
CIGNA HEALTH AND LIFE INSURANCE COMPANY	2	$1.6M	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
FL	2	$1.6M	0.0%	25.27x

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 4 QUOTES LLC's plans by broker comp / premium ratio. Median 10.55% vs welfare-wide median 6.40% (n=2).

Prospect-flag exposure · vs market baseline

Share of 4 QUOTES LLC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where 4 QUOTES LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
WHETSTONE MANAGEMENT LLC WHETSTONE MANAGEMENT LLC HEALTH AND WELFARE BENEFIT PLAN	FL	$1.4M	$139K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
SEABRING MARINE INDUSTRIES, INC SEABRING MARINE INDUSTRIES, INC EMPLOYEE WELFARE BENEFITS PLAN	FL	$204K	$23K	CIGNA HEALTH AND LIFE

Carrier

Plans

Premium

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$1.6M

100.0%

State

Plans

Premium

State share

Index

$1.6M

0.0%

25.27x

Sponsor

Loc

Premium

Comp

Carrier

WHETSTONE MANAGEMENT LLC

WHETSTONE MANAGEMENT LLC HEALTH AND WELFARE BENEFIT PLAN

$1.4M

$139K

CIGNA HEALTH AND LIFE INSURANCE COMPANY

SEABRING MARINE INDUSTRIES, INC

SEABRING MARINE INDUSTRIES, INC EMPLOYEE WELFARE BENEFITS PLAN

$204K

$23K

CIGNA HEALTH AND LIFE