Welfare broker

BENEFIT COMMUNICATIONS INC

Mailing address (most recent filing)

2977 SIDCO DRIVE

NASHVILLE, TN 37204

Total comp: $41.9M
Commissions: $39.9M
Fees: $2.0M
Filings: 139
Sponsors: 139

Carrier mix

Where BENEFIT COMMUNICATIONS INC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

RELIASTAR LIFE INSURANCE COMPANY13.3%
HARTFORD LIFE AND ACCIDENT13.3%
KAISER FOUNDATION HEALTH PLAN INC13.3%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA13.3%
DELTA DENTAL OF CALIFORNIA13.3%
AFLAC13.3%
SHARP HEALTH PLAN6.7%
THE LINCOLN NATIONAL LIFE INSURANCE COMPANY6.7%
Other (1)6.7%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
RELIASTAR LIFE INSURANCE COMPANY	2	$34.4M	13.3%
HARTFORD LIFE AND ACCIDENT	2	$42.3M	13.3%
KAISER FOUNDATION HEALTH PLAN INC	2	$40.7M	13.3%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	2	$2.0M	13.3%
DELTA DENTAL OF CALIFORNIA	2	$14.1M	13.3%
AFLAC	2	$4.1M	13.3%
SHARP HEALTH PLAN	1	$9.2M	6.7%
THE LINCOLN NATIONAL LIFE INSURANCE COMPANY	1	$496K	6.7%
BLUE CROSS OF CALIFORNIA	1	$7.9M	6.7%

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	3	$74.8M	0.0%	3.04x
TX	2	$6.6M	0.0%	2.23x
IN	2	$11.2M	0.1%	4.53x
FL	2	$3.3M	0.0%	3.39x
CA	2	$45.0M	0.0%	1.70x
NM	1	$7.9M	0.4%	30.33x
NJ	1	$974K	0.0%	3.09x
MN	1	$2.0M	0.0%	3.34x
AR	1	$3.4M	0.2%	14.73x

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 BENEFIT COMMUNICATIONS INC's plans by broker comp / premium ratio. Median 12.10% vs welfare-wide median 6.29% (n=15).

Prospect-flag exposure · vs market baseline

Share of BENEFIT COMMUNICATIONS INC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-15 of 15 sponsors where BENEFIT COMMUNICATIONS INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
FOSTER POULTRY FARMS FOSTER FARMS EMPLOYEE HEALTH & WELFARE BENEFITS PLAN	CA	$35.8M	$28.7M	KAISER FOUNDATION HEALTH PLAN, INC.
SHAW INDUSTRIES GROUP, INC. SHAW INDUSTRIES, INC. EMPLOYEE BENEFIT PLAN	GA	$40.4M	$4.4M	HARTFORD LIFE AND ACCIDENT
THOR INDUSTRIES, INC. THOR INDUSTRIES, INC. WELFARE BENEFIT PLAN	IN	$10.7M	$1.4M	DELTA DENTAL OF INDIANA
ROLLINS, INC. & SUBSIDIARIES ROLLINS, INC. HEALTH AND WELFARE BENEFITS PLAN	GA	$30.0M	$1.3M	RELIASTAR LIFE INSURANCE COMPANY
LAVIEHOLDCO, LLC LAVIEHOLD CO, LLC HEALTH AND WELFARE PLAN	FL	$3.1M	$1.1M	CONTINENTAL AMERICAN INSURANCE COMPANY
ALTRANAIS CARE CENTERS ALTRANAIS CARE CENTERS HEALTH AND WELFARE VOLUNTARY ACCIDENT, CRITICAL ILLNESS AND HOSPITAL PLAN	NJ	$974K	$710K	CONTINENTAL AMERICAN INSURANCE COMPANY
ALTIUM PACKAGING LP ALTIUM PACKAGING LP GROUP WELFARE PLAN	GA	$4.5M	$682K	RELIASTAR LIFE INSURANCE COMPANY
RATP DEV USA LLC RATP DEV USA LLC EMPLOYEE BENEFITS PLAN	TX	$4.9M	$593K	KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC
EMERUS HOLDINGS, INC. EMERUS HOLDINGS, INC.	TX	$1.7M	$525K	GUARDIAN LIFE INSURANCE COMPANY OF AMERICA
RIDGEVIEW MEDICAL CENTER RIDGEVIEW MEDICAL CENTER COMPREHENSIVE HEALTH AND WELFARE BENEFIT PLAN	MN	$2.0M	$231K	HARTFORD LIFE AND ACCIDENT
ARCH HEALTH PARTNERS, INC. ARCH HEALTH PARTNERS, INC. WELFARE BENEFIT PLAN	CA	$9.2M	$115K	SHARP HEALTH PLAN
PUEBLO OF ISLETA PUEBLO OF ISLETA TRIBE WRAP PLAN	NM	$7.9M	$107K	BLUE CROSS AND BLUE SHIELD OF NEW MEXICO
ARKANSAS CHILDREN'S HOSPITAL ARKANSAS CHILDRENS HOSPITAL FLEXIBLE BENEFITS PLAN	AR	$3.4M	$61K	DELTA DENTAL OF ARKANSAS
METAL POWDER PRODUCTS, LLC METAL POWDER PRODUCTS, LLC WELFARE BENEFIT PLAN	IN	$496K	$43K	LINCOLN NATIONAL LIFE INSURANCE COMPANY
NURSERY SUPPLIES, INC. NURSERY SUPPLIES INC EMPLOYEE BENEFITS PLAN	FL	$254K	$43K	GUARDIAN LIFE INSURANCE COMPANY