Welfare broker

CUMBERLAND VALLEY INSURANCE

Mailing address (most recent filing)

412 NORTH BROAD STREET

LONDON, KY 40741

Total comp: $11K
Commissions: $11K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

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

COMPANION LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
COMPANION LIFE INSURANCE COMPANY	1	$12K	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
KY	1	$12K	0.0%	19.70x

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 VALLEY INSURANCE's plans by broker comp / premium ratio. Median 18.24% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
HERITAGE MANAGEMENT SERVICES COMPANY HERITAGE MANAGEMENT SERVICES COMPANY EMPLOYEE BENEFIT PLAN	KY	$12K	$2K	COMPANION LIFE INSURANCE COMPANY