Welfare broker

HERBERT R CHAMBERS

Mailing address (most recent filing)

2670 UNION AVE EXTENDED STE 200

MEMPHIS, TN 38112

Total comp: $49K
Commissions: $49K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

Where HERBERT R CHAMBERS 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	2	$1.1M	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	2	$1.1M	0.1%	64.91x

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 HERBERT R CHAMBERS's plans by broker comp / premium ratio. Median 8.02% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where HERBERT R CHAMBERS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ROYAL FURNITURE COMPANY ROYAL FURNITURE COMPANY WELFARE BENEFITS PLAN	TN	$759K	$62K	BLUECROSS BLUESHIELD OF TENNESSEE, INC.
FIRST ORDER PIZZA, LLC FIRST ORDER PIZZA, LLC WELFARE BENEFITS PLAN	TN	$315K	$25K	BLUECROSS BLUESHIELD OF TENNESSEE, INC.