Welfare broker

FINANCIAL STRATEGIES INC

Mailing address (most recent filing)

4630 BIT SPUR RD

MOBILE, AL 36608

Total comp: $13K
Commissions: $13K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

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

UNUM LIFE INSURANCE COMPANY OF AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNUM LIFE INSURANCE COMPANY OF AMERICA	1	$86K	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	$86K	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 FINANCIAL STRATEGIES INC's plans by broker comp / premium ratio. Median 15.00% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where FINANCIAL STRATEGIES INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
HAND ARENDALL, L.L.C. HAND ARENDALL HARRISON SALE, LLC LONG TERM DISABILITY PLAN	AL	$86K	$13K	UNUM LIFE INSURANCE COMPANY OF AMERICA