Welfare broker

BYARS-WRIGHT, INC.

Mailing address (most recent filing)

PO BOX 1309

JASPER, AL 35502

Total comp: $153K
Commissions: $144K
Fees: $8K
Filings: 8
Sponsors: 8

Carrier mix

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

STANDARD INSURANCE COMPANY50.0%
UNITED OF OMAHA LIFE INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
STANDARD INSURANCE COMPANY	1	$91K	50.0%
UNITED OF OMAHA LIFE INSURANCE COMPANY	1	$388K	50.0%

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
AL	2	$480K	0.2%	107.78x

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 BYARS-WRIGHT, INC.'s plans by broker comp / premium ratio. Median 13.17% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where BYARS-WRIGHT, INC. is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
QUALIS LLC QUALIS LLC WELFARE BENEFITS PLAN & SUMMARY PLAN DESCIPTION	AL	$388K	$44K	UNITED OF OMAHA LIFE INSURANCE COMPANY
SCHOEL ENGINEERING COMPANY, INC. SCHOEL ENGINEERING COMPANY, INC. EMPLOYEE BENEFIT PLAN	AL	$91K	$14K	STANDARD INSURANCE COMPANY

Carrier

Plans

Premium

STANDARD INSURANCE COMPANY

$91K

50.0%

UNITED OF OMAHA LIFE INSURANCE COMPANY

$388K

50.0%

State

Plans

Premium

State share

Index

$480K

0.2%

107.78x

Sponsor

Loc

Premium

Comp

Carrier

QUALIS LLC

QUALIS LLC WELFARE BENEFITS PLAN & SUMMARY PLAN DESCIPTION

$388K

$44K

UNITED OF OMAHA LIFE INSURANCE COMPANY

SCHOEL ENGINEERING COMPANY, INC.

SCHOEL ENGINEERING COMPANY, INC. EMPLOYEE BENEFIT PLAN

$91K

$14K

STANDARD INSURANCE COMPANY