Welfare broker

A DOWNING GRAY & CO

Mailing address (most recent filing)

318 S FLORIDA BLANCA

PENSACOLA, FL 325026126

Total comp: $183K
Commissions: $47K
Fees: $135K
Filings: 3
Sponsors: 3

Carrier mix

Where A DOWNING GRAY & CO places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNITEDHEALTHCARE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	1	$2.8M	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	1	$2.8M	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 A DOWNING GRAY & CO's plans by broker comp / premium ratio. Median 6.48% vs welfare-wide median 6.40% (n=1).

Prospect-flag exposure · vs market baseline

Share of A DOWNING GRAY & CO's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where A DOWNING GRAY & CO is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
NORTH FLORIDA SALES COMPANY, INC. NORTH FLORIDA SALES COMPANY, INC. HEALTH AND WELFARE PLAN	FL	$2.8M	$179K	UNITEDHEALTHCARE INSURANCE COMPANY