Welfare broker

DAVID M CRUMLEY

Mailing address (most recent filing)

101 GILLESPIE DR.

APT 8204

FRANKLIN, TN 37067

Total comp: $46K
Commissions: $46K
Fees: $93
Filings: 20
Sponsors: 20

Carrier mix

Where DAVID M CRUMLEY places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

BLUE CROSS OF CALIFORNIA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	1	$1.4M	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	$1.4M	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 DAVID M CRUMLEY's plans by broker comp / premium ratio. Median 5.28% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of DAVID M CRUMLEY's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where DAVID M CRUMLEY is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
EMPOWER ELECTRIC, LLC EMPOWER ELECTRIC, LLC EMPLOYEE BENEFITS PLAN	TN	$1.4M	$75K	BLUECROSS BLUESHIELD OF TENNESSEE, INC.