Welfare broker

DENISE BOUNDS

Mailing address (most recent filing)

640 LAKELAND EAST DRIVE

JACKSON, MS 39208

Total comp: $72K
Commissions: $72K
Fees: $0
Filings: 4
Sponsors: 4

Carrier mix

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

UNITEDHEALTHCARE INSURANCE COMPANY50.0%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	1	$178K	50.0%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$87K	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
MS	2	$265K	0.4%	248.48x

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 DENISE BOUNDS's plans by broker comp / premium ratio. Median 11.33% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where DENISE BOUNDS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
UPI HEALTH SYSTEM, LLC UPI HEALTH SYSTEM, LLC	MS	$178K	$22K	ALL SAVERS INSURANCE COMPANY
UPI HEALTH SYSTEM, LLC UPI HEALTH SYSTEM, LLC	MS	$87K	$9K	GUARDIAN