Welfare broker

HARRY H BAYER

Mailing address (most recent filing)

2130 HIGHLAND AVENUE S, SUITE 322

BIRMINGHAM, AL 35205

Total comp: $49K
Commissions: $49K
Fees: $0
Filings: 4
Sponsors: 4

Carrier mix

Where HARRY H BAYER 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	3	$612K	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
CA	3	$612K	0.0%	12.75x

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 HARRY H BAYER's plans by broker comp / premium ratio. Median 7.16% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

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

1-3 of 3 sponsors where HARRY H BAYER is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
KIRKPATRICK CONCRETE, INC. KIRKPATRICK CONCRETE, INC. GROUP HEALTH AND WELFARE PLAN	CA	$345K	$25K	UNUM LIFE INSURANCE COMPANY OF AMERICA
NATIONAL CEMENT COMPANY, INC. NATIONAL CEMENT COMPANY, INC. LIFE AND DISABILITY PLAN	CA	$191K	$11K	UNUM LIFE INSURANCE COMPANY OF AMERICA
WALKER CONCRETE LLC WALKER CONCRETE LLC WELFARE PLAN	CA	$76K	$9K	UNUM LIFE INSURANCE COMPANY OF AMERICA

Carrier

Plans

Premium

UNUM LIFE INSURANCE COMPANY OF AMERICA

$612K

100.0%

State

Plans

Premium

State share

Index

$612K

0.0%

12.75x

Sponsor

Loc

Premium

Comp

Carrier

KIRKPATRICK CONCRETE, INC.

KIRKPATRICK CONCRETE, INC. GROUP HEALTH AND WELFARE PLAN

$345K

$25K

UNUM LIFE INSURANCE COMPANY OF AMERICA

NATIONAL CEMENT COMPANY, INC.

NATIONAL CEMENT COMPANY, INC. LIFE AND DISABILITY PLAN

$191K

$11K

UNUM LIFE INSURANCE COMPANY OF AMERICA

WALKER CONCRETE LLC

WALKER CONCRETE LLC WELFARE PLAN

$76K

$9K

UNUM LIFE INSURANCE COMPANY OF AMERICA