Welfare broker

HUMPHREY STUMP & HAYNIE INS AGENCY

Mailing address (most recent filing)

100 EAST MAIN STREET

SALEM, VA 24153

Total comp: $61K
Commissions: $61K
Fees: $0
Filings: 3
Sponsors: 3

Carrier mix

Where HUMPHREY STUMP & HAYNIE INS AGENCY places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

PRINCIPAL LIFE INSURANCE COMPANY66.7%
AETNA LIFE INSURANCE COMPANY33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
PRINCIPAL LIFE INSURANCE COMPANY	2	$354K	66.7%
AETNA LIFE INSURANCE COMPANY	1	$269K	33.3%

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
VA	3	$624K	0.1%	45.89x

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 HUMPHREY STUMP & HAYNIE INS AGENCY's plans by broker comp / premium ratio. Median 10.67% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

Share of HUMPHREY STUMP & HAYNIE INS AGENCY's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-3 of 3 sponsors where HUMPHREY STUMP & HAYNIE INS AGENCY is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
INNOVATIVE REFRIGERATION SYSTEMS INC. INNOVATIVE REFRIGERATION LIFE DENTAL LTD	VA	$347K	$40K	PRINCIPAL LIFE INSURANCE COMPANY
FREEDOM FIRST FEDERAL CREDIT UNION FREEDOM FIRST FEDERAL CREDIT UNION	VA	$269K	$20K	AETNA LIFE INSURANCE COMPANY
HILLCREST VINEYARD AND WINERY LLC HILLCREST VINEYARD AND WINERY LLC LIFE DENTAL LTD	VA	$8K	$824	PRINCIPAL LIFE INSURANCE COMPANY

Carrier

Plans

Premium

PRINCIPAL LIFE INSURANCE COMPANY

$354K

66.7%

AETNA LIFE INSURANCE COMPANY

$269K

33.3%

State

Plans

Premium

State share

Index

$624K

0.1%

45.89x

Sponsor

Loc

Premium

Comp

Carrier

INNOVATIVE REFRIGERATION SYSTEMS INC.

INNOVATIVE REFRIGERATION LIFE DENTAL LTD

$347K

$40K

PRINCIPAL LIFE INSURANCE COMPANY

FREEDOM FIRST FEDERAL CREDIT UNION

$269K

$20K

AETNA LIFE INSURANCE COMPANY

HILLCREST VINEYARD AND WINERY LLC

HILLCREST VINEYARD AND WINERY LLC LIFE DENTAL LTD

$8K

$824

PRINCIPAL LIFE INSURANCE COMPANY