Welfare broker

CHARLES R WHITE LLC

Mailing address (most recent filing)

PO BOX 31640

RICHMOND, VA 23294

Total comp: $111K
Commissions: $58K
Fees: $52K
Filings: 5
Sponsors: 5

Carrier mix

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

HARTFORD LIFE AND ACCIDENT66.7%
UNITED OF OMAHA LIFE INSURANCE COMPANY33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
HARTFORD LIFE AND ACCIDENT	2	$351K	66.7%
UNITED OF OMAHA LIFE INSURANCE COMPANY	1	$134K	33.3%

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
VA	3	$485K	0.1%	45.89x

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 R WHITE LLC's plans by broker comp / premium ratio. Median 11.40% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

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

1-3 of 3 sponsors where CHARLES R WHITE LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
RADIOLOGY ASSOCIATES OF RICHMOND, RADIOLOGY ASSOCIATES OF RICHMOND, INC. EMPLOYEE BENEFIT PLAN	VA	$228K	$26K	HARTFORD LIFE AND ACCIDENT
C&F MORTGAGE CORPORATION C&F MORTGAGE CORPORATION FLEXIBLE BENEFIT PLAN	VA	$123K	$17K	HARTFORD LIFE AND ACCIDENT
M&E CONTRACTORS, INC. M&E CONTRACTORS, INC. WELFARE BENEFITS PLAN	VA	$134K	$12K	UNITED OF OMAHA LIFE INSURANCE COMPANY

Carrier

Plans

Premium

HARTFORD LIFE AND ACCIDENT

$351K

66.7%

UNITED OF OMAHA LIFE INSURANCE COMPANY

$134K

33.3%

State

Plans

Premium

State share

Index

$485K

0.1%

45.89x

Sponsor

Loc

Premium

Comp

Carrier

RADIOLOGY ASSOCIATES OF RICHMOND,

RADIOLOGY ASSOCIATES OF RICHMOND, INC. EMPLOYEE BENEFIT PLAN

$228K

$26K

HARTFORD LIFE AND ACCIDENT

C&F MORTGAGE CORPORATION

C&F MORTGAGE CORPORATION FLEXIBLE BENEFIT PLAN

$123K

$17K

HARTFORD LIFE AND ACCIDENT

M&E CONTRACTORS, INC.

M&E CONTRACTORS, INC. WELFARE BENEFITS PLAN

$134K

$12K

UNITED OF OMAHA LIFE INSURANCE COMPANY