Welfare broker

D&S LIFE AGENCY INC

Mailing address (most recent filing)

274 WESTLAKE ROAD

HARDY, VA 24101

Carrier mix

Where D&S LIFE AGENCY INC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
DELTA DENTAL OF CALIFORNIA	2	$442K	28.6%
HARTFORD LIFE AND ACCIDENT	1	$94K	14.3%
THE LINCOLN NATIONAL LIFE INSURANCE COMPANY	1	$32K	14.3%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$1.1M	14.3%
ANTHEM LIFE INSURANCE COMPANY	1	$2.3M	14.3%
AETNA LIFE INSURANCE COMPANY	1	$1.2M	14.3%

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
VA	6	$5.1M	0.2%	39.33x
NC	1	$32K	0.0%	6.82x

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 D&S LIFE AGENCY INC's plans by broker comp / premium ratio. Median 10.37% vs welfare-wide median 6.29% (n=7).

Prospect-flag exposure · vs market baseline

Share of D&S LIFE AGENCY INC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-7 of 7 sponsors where D&S LIFE AGENCY INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
FINK'S JEWELERS, INC. FINKS JEWELERS, INC. GROUP EMPLOYEE BENEFIT PLANS	VA	$1.1M	$70K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
P1 TECHNOLOGIES, INC. P1 TECHNOLOGIES, INC. FLEXIBLE BENEFITS PLAN	VA	$2.3M	$68K	ANTHEM HEALTH PLANS OF VIRGINIA, INC.
HOWELL'S MOTOR FREIGHT, INC. HOWELL'S MOTOR FREIGHT, INC. HEALTH & WELFARE BENEFIT PLAN	VA	$1.2M	$28K	AETNA LIFE INSURANCE CO.
VARNEY, INC. VARNEY, INC. FLEXIBLE BENEFIT PLAN	VA	$209K	$25K	DELTA DENTAL OF VIRGINIA
JAMES RIVER AIR CONDITIONING JAMES RIVER AIR CONDITIONING HEALTH & WELFARE BENEFIT PLAN	VA	$233K	$24K	DELTA DENTAL OF VIRGINIA
NEW RIVER ELECTRICAL CORPORATION NEW RIVER ELECTRICAL CORPORATION LIFE AND DISABILITY PLANS	VA	$94K	$19K	HARTFORD LIFE AND ACCIDENT
ENTRUST SERVICES, LLC. ENTRUST SERVICES, LLC. HEALTH AND WELLNESS PLAN	NC	$32K	$5K	THE LINCOLN NATIONAL LIFE INSURANCE COMPANY