Welfare broker

AMERICAN NATIONAL LIFE

Carrier mix

Where AMERICAN NATIONAL LIFE places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
AMERICAN NATIONAL INSURANCE COMPANY	1	$785K	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
GA	1	$785K	0.0%	15.18x

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 AMERICAN NATIONAL LIFE's plans by broker comp / premium ratio. Median 93.37% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where AMERICAN NATIONAL LIFE is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
MITCHELL COUNTY BOARD OF COMMISSIONERS MITCHELL COUNTY BOARD OF COMMISSIONERS HEALTH BENEFIT PLAN	GA	$785K	$733K	AMERICAN NATIONAL LIFE