Welfare broker

CORPORATE BENEFITS SERVICE, INC.

Mailing address (most recent filing)

PO BOX 11937

CHARLOTTE, NC 28220

Total comp: $386K
Commissions: $30K
Fees: $356K
Filings: 8
Sponsors: 8

Carrier mix

Where CORPORATE BENEFITS SERVICE, INC. places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

RELIANCE STANDARD LIFE INSURANCE COMPANY33.3%
HM LIFE INSURANCE COMPANY33.3%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
RELIANCE STANDARD LIFE INSURANCE COMPANY	1	$0	33.3%
HM LIFE INSURANCE COMPANY	1	$1.5M	33.3%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$389K	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	1	$389K	0.0%	15.91x
GA	1	$0	0.0%	5.06x
AR	1	$1.5M	0.2%	73.64x

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 CORPORATE BENEFITS SERVICE, INC.'s plans by broker comp / premium ratio. Median 29.19% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of CORPORATE BENEFITS SERVICE, INC.'s book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-3 of 3 sponsors where CORPORATE BENEFITS SERVICE, INC. is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
FIRST COMMUNITY BANK FIRST COMMUNITY BANK CAFETERIA PLAN	AR	$1.5M	$384K	HM LIFE INX CO
GSM SERVICES, INC. GSM SERVICES, INC.	NC	$389K	$125K	GUARDIAN LIFE INSURANCE COMPANY OF AMERICA
CLAUDE HOWARD LUMBER COMPANY, INC. CLAUDE HOWARD LUMBER COMPANY INC HEALTH INSURANCE PLAN	GA	$0	$103K	RELIANCE STANDARD LIFE INSURANCE CO

Carrier

Plans

Premium

RELIANCE STANDARD LIFE INSURANCE COMPANY

33.3%

HM LIFE INSURANCE COMPANY

$1.5M

33.3%

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

$389K

33.3%

State

Plans

Premium

State share

Index

$389K

0.0%

15.91x

0.0%

5.06x

$1.5M

0.2%

73.64x

Sponsor

Loc

Premium

Comp

Carrier

FIRST COMMUNITY BANK

FIRST COMMUNITY BANK CAFETERIA PLAN

$1.5M

$384K

HM LIFE INX CO

GSM SERVICES, INC.

$389K

$125K

GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

CLAUDE HOWARD LUMBER COMPANY, INC.

CLAUDE HOWARD LUMBER COMPANY INC HEALTH INSURANCE PLAN

$103K

RELIANCE STANDARD LIFE INSURANCE CO