Welfare broker

COMBINED INSURANCE SVCS OF N FL INC

Mailing address (most recent filing)

1403 E BELMONT ST.

PENSACOLA, FL 32501

Total comp: $142K
Commissions: $134K
Fees: $8K
Filings: 10
Sponsors: 10

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	2	$3.4M	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	2	$3.4M	0.0%	25.27x

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 4.43% vs welfare-wide median 6.40% (n=2).

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.

1-2 of 2 sponsors where COMBINED INSURANCE SVCS OF N FL INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
BEAST CODE, LLC BEAST CODE, LLC BEAST CODE HEALTH & WELFARE BENEFIT PLAN	FL	$2.2M	$106K	BLUE CROSS BLUE SHIELD OF FLORIDA
HIGHPOINTE HOSPITALITY, INC HIGHPOINTE HOSPITALITY,INC.WELFARE BENEFIT PLAN	FL	$1.2M	$48K	BLUE CROSS BLUE SHIELD OF FLORIDA

Carrier

Plans

Premium

BLUE CROSS OF CALIFORNIA

$3.4M

100.0%

State

Plans

Premium

State share

Index

$3.4M

0.0%

25.27x

Sponsor

Loc

Premium

Comp

Carrier

BEAST CODE, LLC

BEAST CODE, LLC BEAST CODE HEALTH & WELFARE BENEFIT PLAN

$2.2M

$106K

BLUE CROSS BLUE SHIELD OF FLORIDA

HIGHPOINTE HOSPITALITY, INC

HIGHPOINTE HOSPITALITY,INC.WELFARE BENEFIT PLAN

$1.2M

$48K

BLUE CROSS BLUE SHIELD OF FLORIDA