Welfare broker

COWELL INSURANCE AGENCY LLC

Mailing address (most recent filing)

314 SOUTH MAIN STREET

RED BUD, IL 62278

Total comp: $28K
Commissions: $28K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

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

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

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	1	$676K	50.0%
ANTHEM LIFE INSURANCE COMPANY	1	$3K	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
IL	2	$679K	0.0%	28.47x

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 COWELL INSURANCE AGENCY LLC's plans by broker comp / premium ratio. Median 7.46% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where COWELL INSURANCE AGENCY LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
CHESTER CONSTRUCTION SUPPLY INC CHESTER CONSTRUCTION SUPPLY INC GROUP MEDICAL INSURANCE PLAN	IL	$676K	$28K	BLUE CROSS BLUE SHIELD OF ILLINOIS
CHESTER CONSTRUCTION SUPPLY INC CHESTER CONSTRUCTION SUPPLY INC GROUP TERM LIFE INSURANCE PLAN	IL	$3K	$361	ANTHEM LIFE INSURANCE COMPANY

Carrier

Plans

Premium

BLUE CROSS OF CALIFORNIA

$676K

50.0%

ANTHEM LIFE INSURANCE COMPANY

$3K

50.0%

State

Plans

Premium

State share

Index

$679K

0.0%

28.47x

Sponsor

Loc

Premium

Comp

Carrier

CHESTER CONSTRUCTION SUPPLY INC

CHESTER CONSTRUCTION SUPPLY INC GROUP MEDICAL INSURANCE PLAN

$676K

$28K

BLUE CROSS BLUE SHIELD OF ILLINOIS

CHESTER CONSTRUCTION SUPPLY INC

CHESTER CONSTRUCTION SUPPLY INC GROUP TERM LIFE INSURANCE PLAN

$3K

$361

ANTHEM LIFE INSURANCE COMPANY