Welfare broker

CHARLES ANDREW MUSIL

Mailing address (most recent filing)

219 TOWERS RANCH DRIVE

ST. AUGUSTINE, FL 32092

Total comp: $39K
Commissions: $13K
Fees: $26K
Filings: 1
Sponsors: 1

Carrier mix

Where CHARLES ANDREW MUSIL places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

CIGNA HEALTH AND LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$2.7M	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
FL	1	$2.7M	0.0%	25.39x

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 CHARLES ANDREW MUSIL's plans by broker comp / premium ratio. Median 1.43% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where CHARLES ANDREW MUSIL is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
JAMES E. ALBERTELLI P. A. JAMES E. ALBERTELLI, P.A. WELFARE BENEFITS PLAN	FL	$2.7M	$39K	CIGNA HEALTH AND LIFE INSURANCE COMPANY