Welfare broker

VARIOUS - SEE ATTACHED

Mailing address (most recent filing)

1932 WYNNTON ROAD

COLUMBUS, GA 31999

Total comp: $8.3M
Commissions: $7.4M
Fees: $876K
Filings: 428
Sponsors: 428

Carrier mix

Where VARIOUS - SEE ATTACHED places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNUM LIFE INSURANCE COMPANY OF AMERICA16.2%
AFLAC16.2%
PRUDENTIAL INSURANCE COMPANY OF AMERICA10.8%
BLUE CROSS OF CALIFORNIA10.8%
UNITEDHEALTHCARE INSURANCE COMPANY8.1%
HARTFORD LIFE AND ACCIDENT8.1%
KAISER FOUNDATION HEALTH PLAN INC8.1%
DELTA DENTAL OF CALIFORNIA8.1%
Other (2)13.5%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNUM LIFE INSURANCE COMPANY OF AMERICA	6	$2.4M	16.2%
AFLAC	6	$1.6M	16.2%
PRUDENTIAL INSURANCE COMPANY OF AMERICA	4	$10.3M	10.8%
BLUE CROSS OF CALIFORNIA	4	$7.6M	10.8%
UNITEDHEALTHCARE INSURANCE COMPANY	3	$16.1M	8.1%
HARTFORD LIFE AND ACCIDENT	3	$2.9M	8.1%
KAISER FOUNDATION HEALTH PLAN INC	3	$3.5M	8.1%
DELTA DENTAL OF CALIFORNIA	3	$1.7M	8.1%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	3	$1.6M	8.1%
SHARP HEALTH PLAN	2	$3.0M	5.4%

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
CA	15	$21.4M	0.2%	3.68x
FL	8	$8.0M	0.2%	3.91x
TX	5	$7.9M	0.1%	1.61x
SC	3	$5.0M	0.3%	7.18x
TN	2	$14.8M	0.1%	2.50x
NY	2	$1.1M	0.0%	0.76x
IL	2	$4.8M	0.0%	1.10x
GA	2	$2.6M	0.0%	0.58x
WA	1	$5.0M	0.1%	1.19x
VA	1	$152K	0.0%	0.88x

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 VARIOUS - SEE ATTACHED's plans by broker comp / premium ratio. Median 9.62% vs welfare-wide median 6.29% (n=51).

Prospect-flag exposure · vs market baseline

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

51-52 of 52 sponsors where VARIOUS - SEE ATTACHED is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
CROP MANAGEMENT CO., INC. CROP MANAGEMENT CO. HEALTH AND WELFARE PLAN	CA	$42K	$7K	ANTHEM LIFE INSURANCE COMPANY
CARDIOVASCULAR INSTITUTE OF CENTRAL FLORIDA, LLC CARDIOVASCULAR INSTITUTE OF CENTRAL FLORIDA, LLC WELFARE BENEFIT PLAN	FL	$0	$0	BLUE CROSS BLUE SHIELD OF FLORIDA

Carrier

Plans

Premium

UNUM LIFE INSURANCE COMPANY OF AMERICA

$2.4M

16.2%

AFLAC

$1.6M

16.2%

PRUDENTIAL INSURANCE COMPANY OF AMERICA

$10.3M

10.8%

BLUE CROSS OF CALIFORNIA

$7.6M

10.8%

UNITEDHEALTHCARE INSURANCE COMPANY

$16.1M

8.1%

HARTFORD LIFE AND ACCIDENT

$2.9M

8.1%

KAISER FOUNDATION HEALTH PLAN INC

$3.5M

8.1%

DELTA DENTAL OF CALIFORNIA

$1.7M

8.1%

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$1.6M

8.1%

SHARP HEALTH PLAN

$3.0M

5.4%

State

Plans

Premium

State share

Index

$21.4M

0.2%

3.68x

$8.0M

0.2%

3.91x

$7.9M

0.1%

1.61x

$5.0M

0.3%

7.18x

$14.8M

0.1%

2.50x

$1.1M

0.0%

0.76x

$4.8M

0.0%

1.10x

$2.6M

0.0%

0.58x

$5.0M

0.1%

1.19x

$152K

0.0%

0.88x

Sponsor

Loc

Premium

Comp

Carrier

CROP MANAGEMENT CO., INC.

CROP MANAGEMENT CO. HEALTH AND WELFARE PLAN

$42K

$7K

ANTHEM LIFE INSURANCE COMPANY

CARDIOVASCULAR INSTITUTE OF CENTRAL FLORIDA, LLC

CARDIOVASCULAR INSTITUTE OF CENTRAL FLORIDA, LLC WELFARE BENEFIT PLAN

BLUE CROSS BLUE SHIELD OF FLORIDA