Welfare broker

BARNES INSURANCE & FINANCIAL SERVIC

Mailing address (most recent filing)

1582 AIRPORT BOULEVARD

PENSACOLA, FL 32504

Total comp: $239K
Commissions: $202K
Fees: $38K
Filings: 12
Sponsors: 12

Carrier mix

Where BARNES INSURANCE & FINANCIAL SERVIC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

BLUE CROSS OF CALIFORNIA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	1	$2.1M	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	$2.1M	0.0%	25.39x

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 BARNES INSURANCE & FINANCIAL SERVIC's plans by broker comp / premium ratio. Median 4.37% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of BARNES INSURANCE & FINANCIAL SERVIC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where BARNES INSURANCE & FINANCIAL SERVIC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
COVENANT CARE COVENANT HEALTH & COMMUNITY SERVICES HEALTH & WELFARE PLAN	FL	$2.1M	$92K	BLUE CROSS BLUE SHIELD OF FLORIDA