Welfare broker

COMMUNITY BANK SERVICES

Mailing address (most recent filing)

PO BOX 19999

RALEIGH, NC 27619

Total comp: $288K
Commissions: $288K
Fees: $0
Filings: 9
Sponsors: 9

Carrier mix

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

HARTFORD LIFE AND ACCIDENT33.3%
SUN LIFE ASSURANCE COMPANY OF CANADA33.3%
DELTA DENTAL OF CALIFORNIA33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
HARTFORD LIFE AND ACCIDENT	1	$98K	33.3%
SUN LIFE ASSURANCE COMPANY OF CANADA	1	$558K	33.3%
DELTA DENTAL OF CALIFORNIA	1	$1.3M	33.3%

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
NC	3	$1.9M	0.1%	47.73x

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 COMMUNITY BANK SERVICES's plans by broker comp / premium ratio. Median 12.11% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

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

1-3 of 3 sponsors where COMMUNITY BANK SERVICES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
NORTH CAROLINA BANKERS ASSOCIATION NORTH CAROLINA BANKERS ASSOCIATION DENTAL PLAN	NC	$1.3M	$148K	DELTA DENTAL OF NORTH CAROLINA
SOUTHERN BANK AND TRUST COMPANY SOUTHERN BANK AND TRUST COMPANY GROUP BENEFIT PLAN	NC	$558K	$68K	SUN LIFE ASSURANCE COMPANY OF CANADA
NORTH CAROLINA BANKERS ASSOCIATION NORTH CAROLINA BANKERS ASSOCIATION GROUP ACCIDENT, CRITICAL ILLNESS, HOSPITAL INDEMNITY PLAN	NC	$98K	$21K	HARTFORD LIFE AND ACCIDENT

Carrier

Plans

Premium

HARTFORD LIFE AND ACCIDENT

$98K

33.3%

SUN LIFE ASSURANCE COMPANY OF CANADA

$558K

33.3%

DELTA DENTAL OF CALIFORNIA

$1.3M

33.3%

State

Plans

Premium

State share

Index

$1.9M

0.1%

47.73x

Sponsor

Loc

Premium

Comp

Carrier

NORTH CAROLINA BANKERS ASSOCIATION

NORTH CAROLINA BANKERS ASSOCIATION DENTAL PLAN

$1.3M

$148K

DELTA DENTAL OF NORTH CAROLINA

SOUTHERN BANK AND TRUST COMPANY

SOUTHERN BANK AND TRUST COMPANY GROUP BENEFIT PLAN

$558K

$68K

SUN LIFE ASSURANCE COMPANY OF CANADA

NORTH CAROLINA BANKERS ASSOCIATION

NORTH CAROLINA BANKERS ASSOCIATION GROUP ACCIDENT, CRITICAL ILLNESS, HOSPITAL INDEMNITY PLAN

$98K

$21K

HARTFORD LIFE AND ACCIDENT