Welfare broker

BENEFITS INC

Mailing address (most recent filing)

PO BOX 568

DICKSON, TN 37056

Total comp: $2.0M
Commissions: $1.6M
Fees: $392K
Filings: 84
Sponsors: 84

Carrier mix

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

CIGNA HEALTH AND LIFE INSURANCE COMPANY28.6%
PRINCIPAL14.3%
USABLE LIFE7.1%
UNUM LIFE INSURANCE COMPANY OF AMERICA7.1%
UNITED HEALTHCARE INSURANCE COMPANY7.1%
HCC LIFE INSURANCE COMPANY7.1%
RELIANCE STANDARD LIFE INSURANCE COMPANY7.1%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA7.1%
Other (2)14.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
CIGNA HEALTH AND LIFE INSURANCE COMPANY	4	$2.4M	28.6%
PRINCIPAL	2	$1.9M	14.3%
USABLE LIFE	1	$87K	7.1%
UNUM LIFE INSURANCE COMPANY OF AMERICA	1	$886K	7.1%
UNITED HEALTHCARE INSURANCE COMPANY	1	$757K	7.1%
HCC LIFE INSURANCE COMPANY	1	$529K	7.1%
RELIANCE STANDARD LIFE INSURANCE COMPANY	1	$237K	7.1%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$799K	7.1%
GRAVIE ADMINISTRATIVE SERVICES LLC	1	$1.6M	7.1%
BLUE CROSS OF CALIFORNIA	1	$1.4M	7.1%

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
TN	12	$8.9M	0.7%	52.04x
IL	1	$1.4M	0.0%	1.90x
IA	1	$237K	0.1%	6.94x
DC	1	$886K	0.2%	11.95x

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 BENEFITS INC's plans by broker comp / premium ratio. Median 10.86% vs welfare-wide median 6.40% (n=15).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
'&PARTNERS, LLC '&PARTNERS, LLC HEALTH & WELFARE BENEFIT PLAN	TN	$1.7M	$284K	PRINCIPLE LIFE INSURANCE COMPANY
DICKSON MEDICAL ASSOCIATES, PC DICKSON MEDICAL ASSOCIATES PC EMPLOYEE BENEFIT PLAN	TN	$895K	$163K	CIGNA HEALTH AND LIFE INSURANCE CO
OBJECTIVEHEALTH, INC OBJECTIVEHEALTH, INC WELFARE BENEFIT PLAN	TN	$946K	$143K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
ELECTRONIC METROLOGY LAB, LLC ELECTRONIC METROLOGY LAB, LLC WELFARE BENEFIT PLAN	TN	$1.6M	$108K	GRAVIE ADMINISTRATIVE SERVICES LLC
NATIONAL ASSOCIATION OF LETTER CARRIERS GROUP LIFE INSURANCE PLAN FOR ELECTIVE OFFICERS & EMPLOYEES	DC	$886K	$82K	UNUM LIFE INSURANCE COMPANY OF AMERICA
EUROTRANCIATURA USA, LLC EUROTRANCIATURA USA, LLC WELFARE BENEFIT PLAN	TN	$529K	$57K	THE NORTH RIVER INSURANCE COMPANY
RESOURCETEK, LLC RESOURCETEK, LLC WELFARE BENEFIT PLAN	TN	$757K	$54K	UNITED HEALTHCARE INSURANCE COMPNAY
THE TOTAL GARAGE STORE LLC THE TOTAL GARAGE STORE LLC WELFARE BENEFIT PLAN	TN	$315K	$51K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
AJAX TURNER COMPANY, INC. AJAX TURNER COMPANY, INC. WELFARE BENEFIT PLAN	TN	$799K	$44K	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA
FUTABA CORPORATION OF AMERICA FUTABA CORPORATION OF AMERICA WELFARE BENEFIT PLAN	IL	$1.4M	$34K	BLUE CROSS BLUE SHIELD OF ALABAMA
NASHVILLE CHRISTIAN SCHOOL NASHVILLE CHRISTIAN SCHOOL EMPLOYEE BENEFIT PLAN	TN	$177K	$29K	PRINCIPLE LIFE INSURANCE COMPANY
PRECISION MOLDING, INC. THE PRECISION MOLDING INC PREMIUM ONLY PLAN	TN	$208K	$28K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
MID TN VOLUNTEER PROPERTIES MID TN VOLUNTEER PROPERTIES HEATLH AND WELFARE PLAN	TN	$87K	$20K	USABLE LIFE
DEERY AUTOMOTIVE GROUP DEERY AUTOMOTIVE GROUP LIFE & DISABILITY PLAN	IA	$237K	$20K	RELIANCE STANDARD
D17 HOLDINGS, LLC D17 HOLDINGS, LLC WELFARE BENEFIT PLAN	TN	$782K	$16K	AETNA LIFE INSURANCE COMPANY