Welfare broker

CLAY & LAND COMPANIES

Mailing address (most recent filing)

866 RIDGEWAY LOOP

SUITE 102

MEMPHIS, TN 38120

Total comp: $115K
Commissions: $30K
Fees: $85K
Filings: 6
Sponsors: 6

Carrier mix

Where CLAY & LAND COMPANIES places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

COMPANION LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
COMPANION LIFE INSURANCE COMPANY	1	$8K	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
TN	1	$8K	0.1%	64.91x

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 CLAY & LAND COMPANIES's plans by broker comp / premium ratio. Median 22.49% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of CLAY & LAND COMPANIES's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where CLAY & LAND COMPANIES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ELOS MEDTECH ONYX ELOS MEDTECH ONYX COMPANION PLAN	TN	$8K	$2K	COMPANION LIFE INSURANCE COMPANY