Welfare broker

HERBIE WILES INSURANCE, INC.

Mailing address (most recent filing)

PO BOX 3067

SAINT AUGUSTINE, FL 32085

Total comp: $55K
Commissions: $55K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

Where HERBIE WILES INSURANCE, INC. 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	$1.6M	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
FL	1	$1.6M	0.0%	25.39x

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 HERBIE WILES INSURANCE, INC.'s plans by broker comp / premium ratio. Median 3.50% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where HERBIE WILES INSURANCE, INC. is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
OWEN ELECTRIC COMPANY, INC. OWEN ELECTRIC COMPANY MEDICAL PLAN	FL	$1.6M	$55K	BLUE CROSS BLUE SHIELD OF FLORIDA