Welfare broker

CHIP RAYFORD

Mailing address (most recent filing)

PO BOX 2132

BATESVILLE, AR 72503

Total comp: $2K
Commissions: $2K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

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

DELTA DENTAL OF CALIFORNIA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
DELTA DENTAL OF CALIFORNIA	1	$750K	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
AR	1	$750K	0.2%	220.93x

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 CHIP RAYFORD's plans by broker comp / premium ratio. Median 0.23% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where CHIP RAYFORD is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
WHITE RIVER HEALTH SYSTEM GROUP DENTAL PLAN WHITE RIVER HEALTH SYSTEM GROUP DENTAL PLAN	AR	$750K	$2K	DELTA DENTAL PLAN OF ARKANSAS