Welfare broker

FULCRUM RISK SOLUTIONS

Mailing address (most recent filing)

132 WESTPARK BOULEVARD

COLUMBIA, SC 29210

Total comp: $126K
Commissions: $97K
Fees: $29K
Filings: 5
Sponsors: 5

Carrier mix

Where FULCRUM RISK SOLUTIONS places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

PRINCIPAL LIFE INSURANCE COMPANY33.3%
UNITED OF OMAHA LIFE INSURANCE COMPANY33.3%
LIFE INSURANCE COMPANY OF NORTH AMERICA33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
PRINCIPAL LIFE INSURANCE COMPANY	1	$134K	33.3%
UNITED OF OMAHA LIFE INSURANCE COMPANY	1	$342K	33.3%
LIFE INSURANCE COMPANY OF NORTH AMERICA	1	$1.1M	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
SC	3	$1.6M	0.3%	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 FULCRUM RISK SOLUTIONS's plans by broker comp / premium ratio. Median 9.21% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

Share of FULCRUM RISK SOLUTIONS's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-3 of 3 sponsors where FULCRUM RISK SOLUTIONS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
SOUTH CAROLINA MEDICAL ASSOCIATION SCMA VOLUNTARY MEMBERS' BENEFICIARY ASSOCIATION	SC	$1.1M	$104K	BCS INSURANCE COMPANY
AUC UROLOGIST, LLC AUC UROLOGIST, LLC PRINCIPAL PLAN	SC	$134K	$22K	PRINCIPAL LIFE INSURANCE COMPANY
CHARLESTON ENT ASSOCIATES, LLC CHARLESTON ENT ASSOCIATES LLC EMPLOYEE BENEFITS PLAN	SC	$342K	$6K	UNITED OF OMAHA LIFE INSURANCE COMPANY

Carrier

Plans

Premium

PRINCIPAL LIFE INSURANCE COMPANY

$134K

33.3%

UNITED OF OMAHA LIFE INSURANCE COMPANY

$342K

33.3%

LIFE INSURANCE COMPANY OF NORTH AMERICA

$1.1M

33.3%

State

Plans

Premium

State share

Index

$1.6M

0.3%

124.51x

Sponsor

Loc

Premium

Comp

Carrier

SOUTH CAROLINA MEDICAL ASSOCIATION

SCMA VOLUNTARY MEMBERS' BENEFICIARY ASSOCIATION

$1.1M

$104K

BCS INSURANCE COMPANY

AUC UROLOGIST, LLC

AUC UROLOGIST, LLC PRINCIPAL PLAN

$134K

$22K

PRINCIPAL LIFE INSURANCE COMPANY

CHARLESTON ENT ASSOCIATES, LLC

CHARLESTON ENT ASSOCIATES LLC EMPLOYEE BENEFITS PLAN

$342K

$6K

UNITED OF OMAHA LIFE INSURANCE COMPANY