Welfare broker

BRANDON M. ERNSTES

Mailing address (most recent filing)

1750 SCOTTSVILLE ROAD, SUITE 4

BOWLING GREEN, KY 42104

Total comp: $190K
Commissions: $190K
Fees: $0
Filings: 4
Sponsors: 4

Carrier mix

Where BRANDON M. ERNSTES 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	2	$3.3M	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	2	$3.3M	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 BRANDON M. ERNSTES's plans by broker comp / premium ratio. Median 6.57% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where BRANDON M. ERNSTES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
FLOW SERVICE PARTNERS MANAGEMENT LLC FLOW SERVICE PARTNERS MANAGEMENT LLC HEALTH & WELFARE PLANS	TN	$2.3M	$142K	BLUECROSS BLUESHIELD OF TENNESSEE, INC.
COMMERCIAL DOOR & FRAME DISTRIBUTORS, LLC COMMERCIAL DOOR & FRAME DISTRIBUTORS, LLC HEALTH AND WELFARE BENEFIT PLAN	TN	$1.0M	$71K	BLUECROSS BLUESHIELD OF TENNESSEE, INC.

Carrier

Plans

Premium

BLUE CROSS OF CALIFORNIA

$3.3M

100.0%

State

Plans

Premium

State share

Index

$3.3M

0.1%

64.91x

Sponsor

Loc

Premium

Comp

Carrier

FLOW SERVICE PARTNERS MANAGEMENT LLC

FLOW SERVICE PARTNERS MANAGEMENT LLC HEALTH & WELFARE PLANS

$2.3M

$142K

BLUECROSS BLUESHIELD OF TENNESSEE, INC.

COMMERCIAL DOOR & FRAME DISTRIBUTORS, LLC

COMMERCIAL DOOR & FRAME DISTRIBUTORS, LLC HEALTH AND WELFARE BENEFIT PLAN

$1.0M

$71K

BLUECROSS BLUESHIELD OF TENNESSEE, INC.