Welfare broker

GROVES, THOMAS

Mailing address (most recent filing)

1275 GLENLIVET DR

ALLENTOWN, PA 18106

Total comp: $13K
Commissions: $13K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

Where GROVES, THOMAS places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

BLUE CROSS OF CALIFORNIA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	1	$559K	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
PA	1	$559K	0.0%	24.10x

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 GROVES, THOMAS's plans by broker comp / premium ratio. Median 3.31% vs welfare-wide median 6.31% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where GROVES, THOMAS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
OLSON TECHNOLOGIES, INC. OLSON TECHNOLOGIES, INC. EMPLOYEE BENEFIT PLAN	PA	$559K	$18K	HIGHMARK, INC.