Welfare broker

GARLOW INSURANCE AGENCY INC

Mailing address (most recent filing)

PO BOX 5052

CHARLESTON, WV 25361

Total comp: $195K
Commissions: $172K
Fees: $24K
Filings: 10
Sponsors: 10

Carrier mix

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

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$106K	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
WV	1	$106K	0.2%	276.42x

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 GARLOW INSURANCE AGENCY INC's plans by broker comp / premium ratio. Median 4.40% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where GARLOW INSURANCE AGENCY INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
MONTGOMERY GENERAL HOSPITAL, INC MONTGOMERY GENERAL HOSPITAL BASIC LIFE	WV	$106K	$5K	GUARDIAN