Welfare broker

HW SLEDGE LLC

Mailing address (most recent filing)

P O BOX 299

CLEVELAND, MS 38732

Total comp: $10K
Commissions: $10K
Fees: $77
Filings: 4
Sponsors: 4

Carrier mix

Where HW SLEDGE LLC 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	1	$80K	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
MS	1	$80K	0.2%	248.48x

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 HW SLEDGE LLC's plans by broker comp / premium ratio. Median 16.96% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of HW SLEDGE LLC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where HW SLEDGE LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
NEEDLE SPECIALTY PRODUCTS NEEDLE SPECIALTY PRODUCTS WELFARE BENEFIT PLAN	MS	$80K	$14K	COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY