Welfare broker

CMB & ASSOCIATES INC

Mailing address (most recent filing)

1100 NE 163 STREET

SUITE 403

NORTH MIAMI BEACH, FL 33162

Total comp: $155K
Commissions: $155K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

Where CMB & ASSOCIATES INC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

BLUE CROSS OF CALIFORNIA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	1	$2.4M	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	$2.4M	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 CMB & ASSOCIATES INC's plans by broker comp / premium ratio. Median 3.37% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of CMB & ASSOCIATES INC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where CMB & ASSOCIATES INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
FMSBONDS, INC FMSBONDS, INC	FL	$2.4M	$79K	BLUE CROSS BLUE SHIELD OF FLORIDA