Welfare broker

CUMBERLAND INSURANCE AGENCY

Mailing address (most recent filing)

PO BOX 430

COOKEVILLE, TN 38503

Total comp: $46K
Commissions: $46K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

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

SIRIUS AMERICA INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
SIRIUS AMERICA INSURANCE COMPANY	1	$822K	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
TN	1	$822K	0.1%	64.91x

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 CUMBERLAND INSURANCE AGENCY's plans by broker comp / premium ratio. Median 0.97% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where CUMBERLAND INSURANCE AGENCY is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
FIRST NATIONAL BANK OF TENNESSEE FIRST NATIONAL BANK OF TENNESSEE EMPLOYEE BENEFIT PLAN	TN	$822K	$8K	SIRIUSPOINT AMERICA INSURANCE COMPANY