Welfare broker

FINANCIAL PRODUCTS AND SERVICE

Mailing address (most recent filing)

211 ATHENS WAY STE 200

NASHVILLE, TN 37228

Total comp: $571K
Commissions: $476K
Fees: $95K
Filings: 22
Sponsors: 22

Carrier mix

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

CIGNA HEALTH AND LIFE INSURANCE COMPANY66.7%
PRINCIPAL LIFE INSURANCE COMPANY33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
CIGNA HEALTH AND LIFE INSURANCE COMPANY	2	$2.5M	66.7%
PRINCIPAL LIFE INSURANCE COMPANY	1	$79K	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
TN	3	$2.6M	0.2%	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 FINANCIAL PRODUCTS AND SERVICE's plans by broker comp / premium ratio. Median 16.39% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

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

1-3 of 3 sponsors where FINANCIAL PRODUCTS AND SERVICE is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
F&M BANK F&M BANK EMPLOYEE BENEFITS PLAN	TN	$2.2M	$144K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
MACON BANK AND TRUST COMPANY MACON BANK AND TRUST COMPANY EMPLOYEE BENEFITS PLAN	TN	$346K	$82K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
CITIZENS NATIONAL BANK CITIZENS NATIONAL BANK HEALTH & WELFARE PLAN	TN	$79K	$13K	PRINCIPAL LIFE INSURANCE COMPANY

Carrier

Plans

Premium

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$2.5M

66.7%

PRINCIPAL LIFE INSURANCE COMPANY

$79K

33.3%

State

Plans

Premium

State share

Index

$2.6M

0.2%

64.91x

Sponsor

Loc

Premium

Comp

Carrier

F&M BANK

F&M BANK EMPLOYEE BENEFITS PLAN

$2.2M

$144K

CIGNA HEALTH AND LIFE INSURANCE COMPANY

MACON BANK AND TRUST COMPANY

MACON BANK AND TRUST COMPANY EMPLOYEE BENEFITS PLAN

$346K

$82K

CIGNA HEALTH AND LIFE INSURANCE COMPANY

CITIZENS NATIONAL BANK

CITIZENS NATIONAL BANK HEALTH & WELFARE PLAN

$79K

$13K

PRINCIPAL LIFE INSURANCE COMPANY