Welfare broker

HEALTHSMART BENEFIT SOLUTIONS

Mailing address (most recent filing)

222 W LAS COLINAS BLVD

SUITE 500N

IRVING, TX 75039

Total comp: $721K
Commissions: $373K
Fees: $348K
Filings: 18
Sponsors: 18

Carrier mix

Where HEALTHSMART BENEFIT SOLUTIONS 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	4	$832K	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
TN	3	$305K	0.2%	48.68x
NC	1	$527K	0.0%	11.93x

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 HEALTHSMART BENEFIT SOLUTIONS's plans by broker comp / premium ratio. Median 10.26% vs welfare-wide median 6.29% (n=4).

Prospect-flag exposure · vs market baseline

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

1-4 of 4 sponsors where HEALTHSMART BENEFIT SOLUTIONS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
RHODES COLLEGE RHODES COLLEGE VOLUNTARY LIFE PLAN	TN	$120K	$18K	UNUM LIFE INSURANCE COMPANY OF AMERICA
RHODES COLLEGE RHODES COLLEGE GROUP LIFE INSURANCE PLAN	TN	$97K	$15K	UNUM LIFE INSURANCE COMPANY OF AMERICA
RHODES COLLEGE RHODES COLLEGE GROUP TOTAL DISABILITY PLAN	TN	$88K	$5K	UNUM LIFE INSURANCE COMPANY OF AMERICA
3A COMPOSITES USA INC. EMPLOYEES' FLEXIBLE BENEFITS PLAN	NC	$527K	$4K	UNUM LIFE INSURANCE COMPANY OF AMERICA

Carrier

Plans

Premium

UNUM LIFE INSURANCE COMPANY OF AMERICA

$832K

100.0%

State

Plans

Premium

State share

Index

$305K

0.2%

48.68x

$527K

0.0%

11.93x

Sponsor

Loc

Premium

Comp

Carrier

RHODES COLLEGE

RHODES COLLEGE VOLUNTARY LIFE PLAN

$120K

$18K

UNUM LIFE INSURANCE COMPANY OF AMERICA

RHODES COLLEGE

RHODES COLLEGE GROUP LIFE INSURANCE PLAN

$97K

$15K

UNUM LIFE INSURANCE COMPANY OF AMERICA

RHODES COLLEGE

RHODES COLLEGE GROUP TOTAL DISABILITY PLAN

$88K

$5K

UNUM LIFE INSURANCE COMPANY OF AMERICA

3A COMPOSITES USA INC.

EMPLOYEES' FLEXIBLE BENEFITS PLAN

$527K

$4K

UNUM LIFE INSURANCE COMPANY OF AMERICA