Welfare broker

CAROLYN GROVER

Mailing address (most recent filing)

206 FOX CHAPEL DR

IRMO, SC 29063

Total comp: $55K
Commissions: $55K
Fees: $355
Filings: 23
Sponsors: 23

Carrier mix

Where CAROLYN GROVER 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	$2.2M	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
MA	1	$2.2M	0.0%	46.22x

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 CAROLYN GROVER's plans by broker comp / premium ratio. Median 5.29% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where CAROLYN GROVER is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
GP&C OPERATIONS LLC GARLOCK PRINTING AND CONVERTING CORP HEALTH & WELFARE PLAN	MA	$2.2M	$118K	BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC.