Welfare broker

EMERALD FINANCIAL SERVICES

Mailing address (most recent filing)

7269 SAWMILL ROAD

SUITE 100

DUBLIN, OH 43016

Total comp: $24K
Commissions: $24K
Fees: $0
Filings: 3
Sponsors: 3

Carrier mix

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

COMPANION LIFE INSURANCE COMPANY66.7%
SUN LIFE ASSURANCE COMPANY OF CANADA33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
COMPANION LIFE INSURANCE COMPANY	2	$305K	66.7%
SUN LIFE ASSURANCE COMPANY OF CANADA	1	$501K	33.3%

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
OH	3	$806K	0.0%	7.72x

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 EMERALD FINANCIAL SERVICES's plans by broker comp / premium ratio. Median 3.00% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

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

1-3 of 3 sponsors where EMERALD FINANCIAL SERVICES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
THOMAS 5 LTD. LLC THOMAS 5 LTD. LLC EMPLOYEE HEALTH & WELFARE BENEFIT PLAN	OH	$501K	$21K	SUN LIFE ASSURANCE COMPANY OF CANADA
CDC MEDICAL, LLC CDC MEDICAL, LLC EMPLOYEE HEALTH & WELFARE BENEFIT PLAN	OH	$160K	$5K	COMPANION LIFE INSURANCE COMPANY
COSA MEDICAL, LLC COSA MEDICAL, LLC EMPLOYEE HEALTH & WELFARE BENEFIT PLAN	OH	$145K	$4K	COMPANION LIFE INSURANCE CO

Carrier

Plans

Premium

COMPANION LIFE INSURANCE COMPANY

$305K

66.7%

SUN LIFE ASSURANCE COMPANY OF CANADA

$501K

33.3%

State

Plans

Premium

State share

Index

$806K

0.0%

7.72x

Sponsor

Loc

Premium

Comp

Carrier

THOMAS 5 LTD. LLC

THOMAS 5 LTD. LLC EMPLOYEE HEALTH & WELFARE BENEFIT PLAN

$501K

$21K

SUN LIFE ASSURANCE COMPANY OF CANADA

CDC MEDICAL, LLC

CDC MEDICAL, LLC EMPLOYEE HEALTH & WELFARE BENEFIT PLAN

$160K

$5K

COMPANION LIFE INSURANCE COMPANY

COSA MEDICAL, LLC

COSA MEDICAL, LLC EMPLOYEE HEALTH & WELFARE BENEFIT PLAN

$145K

$4K

COMPANION LIFE INSURANCE CO