Welfare broker

BETHANY LOVING

Mailing address (most recent filing)

840 GESSBER, SUITE 600

HOUSTON, TX 77024

Total comp: $303K
Commissions: $303K
Fees: $0
Filings: 11
Sponsors: 11

Carrier mix

Where BETHANY LOVING 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	$1.7M	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
TN	1	$1.7M	0.1%	64.91x

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 BETHANY LOVING's plans by broker comp / premium ratio. Median 4.93% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where BETHANY LOVING is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
CUMMINGS RESOURCES, LLC CUMMINGS RESOURCES, LLC EMPLOYEE BENEFITS PLAN	TN	$1.7M	$83K	BLUECROSS BLUESHIELD OF TENNESSEE, INC.