Welfare broker

FORUM BENEFITS INC

Mailing address (most recent filing)

1122 S MAIN ST STE B

GREENVILLE, SC 29601

Total comp: $1.5M
Commissions: $1.4M
Fees: $98K
Filings: 33
Sponsors: 33

Carrier mix

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

BLUE CROSS OF CALIFORNIA35.3%
UNITED OF OMAHA LIFE INSURANCE COMPANY23.5%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA11.8%
DELTA DENTAL OF CALIFORNIA11.8%
STARMOUNT LIFE INSURANCE COMPANY5.9%
METROPOLITAN LIFE INSURANCE COMPANY5.9%
CIGNA HEALTH AND LIFE INSURANCE COMPANY5.9%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	6	$9.6M	35.3%
UNITED OF OMAHA LIFE INSURANCE COMPANY	4	$257K	23.5%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	2	$2.7M	11.8%
DELTA DENTAL OF CALIFORNIA	2	$73K	11.8%
STARMOUNT LIFE INSURANCE COMPANY	1	$330K	5.9%
METROPOLITAN LIFE INSURANCE COMPANY	1	$182K	5.9%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$351K	5.9%

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	15	$12.1M	1.6%	109.86x
NJ	1	$182K	0.0%	2.73x
CA	1	$1.3M	0.0%	0.75x

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 FORUM BENEFITS INC's plans by broker comp / premium ratio. Median 10.32% vs welfare-wide median 6.29% (n=17).

Prospect-flag exposure · vs market baseline

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

1-17 of 17 sponsors where FORUM BENEFITS INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
TREATMENT CENTERS HOLDCO LLC TREATMENT CENTERS HOLDCO LLC WELFARE BENEFIT PLAN	SC	$5.0M	$291K	BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA
THE NEIGHBORHOOD DINING GROUP THE NEIGHBORHOOD DINING GROUP WELFARE BENEFIT PLAN	SC	$2.6M	$103K	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA
AVALON TRANSPORTATION AVALON TRANSPORTATION WELFARE BENEFIT PLAN	CA	$1.3M	$85K	BLUE CROSS OF CALIFORNIA
SUNSET MANAGEMENT, INC. SUNSET MANAGEMENT WELFARE BENEFIT PLAN	SC	$1.1M	$64K	BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA
RCS GRADING RCS GRADING, INC. WELFARE BENEFIT PLAN	SC	$351K	$52K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
SKYIO, INC SKYIO, INC. HEALTH & WELFARE PLAN	SC	$330K	$41K	STARMOUNT LIFE INSURANCE COMPANY
GREENWOOD FABRICATING AND PLATING, LLC GREENWOOD FABRICATING AND PLATING, LLC 5500 PLAN	SC	$184K	$37K	UNITED OF OMAHA LIFE INSURANCE COMPANY
P O Y HOLDINGS LLC POY HOLDINGS LLC WELFARE BENEFIT PLAN	NJ	$182K	$34K	METROPOLITAN LIFE INSURANCE COMPANY
CVETS (COLUMBIA VETERINARY EMERGENCY TRAUMA AND SPECIALTY, INC.) COLUMBIA VETERINARY EMERGENCY TRAUMA AND SPECIALTY, INC. WELFARE BENEFIT PLAN	SC	$174K	$32K	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA
THE MARLEYLILLY LLC THE MARLELYLILLY LLC WELFARE BENEFIT PLAN	SC	$353K	$31K	BLUECROSS BLUESHIELD OF SOUTH CAROLINA
ARMADA ANALYTICS INC. ARMADA ANALYTICS, INC. HEALTH AND WELFARE PLAN	SC	$649K	$15K	BLUECHOICE HEALTH PLAN
SOUTH CAROLINA LEGAL SERVICES SOUTH CAROLINA LEGAL SERVICES GROUP DENTAL PLAN	SC	$62K	$6K	DELTA DENTAL OF MISSOURI
SOUTH CAROLINA LEGAL SERVICES SOUTH CAROLINA LEGAL SERVICES GROUP LONG TERM DISABILITY PLAN	SC	$28K	$6K	UNITED OF OMAHA LIFE INSURANCE COMPANY
SOUTH CAROLINA LEGAL SERVICES SOUTH CAROLINA LEGAL SERVICES GROUP LIFE AND AD&D PLAN	SC	$25K	$5K	UNITED OF OMAHA LIFE INSURANCE COMPANY
SOUTH CAROLINA LEGAL SERVICES SOUTH CAROLINA LEGAL SERVICES GROUP SHORT TERM DISABILITY PLAN	SC	$19K	$4K	UNITED OF OMAHA LIFE INSURANCE COMPANY
SOUTH CAROLINA LEGAL SERVICES SOUTH CAROLINA LEGAL SERVICES GROUP MEDICAL PLAN	SC	$1.2M	$4K	BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA
SOUTH CAROLINA LEGAL SERVICES SOUTH CAROLINA LEGAL SERVICES GROUP VISION PLAN	SC	$11K	$1K	DELTA DENTAL OF MISSOURI