Welfare broker

CENTRAL BANK INSURANCE AGENCY

Mailing address (most recent filing)

2424 HARRODSBURG RD

SUITE 102

LEXINGTON, KY 40503

Total comp: $275K
Commissions: $272K
Fees: $3K
Filings: 4
Sponsors: 4

Carrier mix

Where CENTRAL BANK INSURANCE AGENCY places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

ANTHEM LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
ANTHEM LIFE INSURANCE COMPANY	1	$4.9M	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
KY	1	$4.9M	0.0%	19.70x

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 CENTRAL BANK INSURANCE AGENCY's plans by broker comp / premium ratio. Median 4.61% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of CENTRAL BANK INSURANCE AGENCY's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where CENTRAL BANK INSURANCE AGENCY is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
CENTRAL BANCSHARES, INC. CENTRAL BANCSHARES WELFARE AND BENEFIT PLAN	KY	$4.9M	$226K	ANTHEM HEALTH PLANS OF KENTUCKY, INC. - HEALTH