Welfare broker

COMBINED INSURANCE SERVICES

Mailing address (most recent filing)

1403 E BELMONT ST

PENSACOLA, FL 32501

Total comp: $760K
Commissions: $759K
Fees: $2K
Filings: 15
Sponsors: 15

Carrier mix

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

RELIASTAR LIFE INSURANCE COMPANY50.0%
BLUE CROSS OF CALIFORNIA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
RELIASTAR LIFE INSURANCE COMPANY	1	$4.2M	50.0%
BLUE CROSS OF CALIFORNIA	1	$1.1M	50.0%

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	2	$5.3M	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 COMBINED INSURANCE SERVICES's plans by broker comp / premium ratio. Median 10.76% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where COMBINED INSURANCE SERVICES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
BAPTIST HEALTH CARE BAPTIST HEALTH CARE WELFARE BENEFITS PLAN	FL	$4.2M	$615K	RELIASTAR LIFE INSURANCE COMPANY
ALLEN TURNER AUTOMOTIVE, INC. ALLEN TURNER AUTOMOTIVE, INC.	FL	$1.1M	$75K	BLUE CROSS BLUE SHIELD OF FLORIDA

Carrier

Plans

Premium

RELIASTAR LIFE INSURANCE COMPANY

$4.2M

50.0%

BLUE CROSS OF CALIFORNIA

$1.1M

50.0%

State

Plans

Premium

State share

Index

$5.3M

0.0%

25.39x

Sponsor

Loc

Premium

Comp

Carrier

BAPTIST HEALTH CARE

BAPTIST HEALTH CARE WELFARE BENEFITS PLAN

$4.2M

$615K

RELIASTAR LIFE INSURANCE COMPANY

ALLEN TURNER AUTOMOTIVE, INC.

$1.1M

$75K

BLUE CROSS BLUE SHIELD OF FLORIDA