Welfare broker

DEVELOPMENT & BENEFIT ASSOCIATES

Mailing address (most recent filing)

P.O. BOX 118

TROY, AL 36081

Total comp: $170K
Commissions: $170K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

Where DEVELOPMENT & BENEFIT ASSOCIATES 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	$11.2M	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
AL	1	$11.2M	0.1%	107.78x

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 DEVELOPMENT & BENEFIT ASSOCIATES's plans by broker comp / premium ratio. Median 2.26% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of DEVELOPMENT & BENEFIT ASSOCIATES's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where DEVELOPMENT & BENEFIT ASSOCIATES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
WILEY SANDERS TRUCK LINES, INC. WILEY SANDERS TRUCK LINES, INC.	AL	$11.2M	$253K	BLUE CROSS & BLUE SHIELD OF ALABAMA