Welfare broker

COMBINED INSURANCE SVCS OF N FL INC

Mailing address (most recent filing)

1503 E BELMONT STREET

PENSACOLA, FL 32501

Total comp: $79K
Commissions: $71K
Fees: $8K
Filings: 7
Sponsors: 7

Carrier mix

Where COMBINED INSURANCE SVCS OF N FL 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	$1.2M	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	$1.2M	0.0%	25.44x

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 SVCS OF N FL INC's plans by broker comp / premium ratio. Median 4.05% vs welfare-wide median 6.31% (n=1).

Prospect-flag exposure · vs market baseline

Share of COMBINED INSURANCE SVCS OF N FL INC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where COMBINED INSURANCE SVCS OF N FL INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
HIGHPOINTE HOSPITALITY, INC HIGHPOINTE HOSPITALITY,INC.WELFARE BENEFIT PLAN	FL	$1.2M	$48K	BLUE CROSS BLUE SHIELD OF FLORIDA