Welfare broker

EMPLOYEE BENEFIT SPECIALISTS

Mailing address (most recent filing)

PO BOX 80157

SIMPSONVILLE, SC 29680

Total comp: $160K
Commissions: $118K
Fees: $42K
Filings: 5
Sponsors: 5

Carrier mix

Where EMPLOYEE BENEFIT SPECIALISTS 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	$8.8M	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
SC	1	$8.8M	0.1%	124.51x

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 EMPLOYEE BENEFIT SPECIALISTS's plans by broker comp / premium ratio. Median 2.90% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where EMPLOYEE BENEFIT SPECIALISTS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
COLINX, LLC COLINX, LLC HEALTH & WELFARE PLAN	SC	$8.8M	$255K	BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA