Welfare broker

INC, BENEFICIAL ASSOCIATES

Mailing address (most recent filing)

PO BOX 532

FOREST, VA 24551

Total comp: $25K
Commissions: $25K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

Where INC, BENEFICIAL ASSOCIATES places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

COMPANION LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
COMPANION LIFE INSURANCE COMPANY	1	$228K	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
VA	1	$228K	0.0%	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 INC, BENEFICIAL ASSOCIATES's plans by broker comp / premium ratio. Median 24.86% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where INC, BENEFICIAL ASSOCIATES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
AMR-PEMCO, INC. AMR-PEMCO, INC. HEALTH & WELFARE BENEFIT PLAN	VA	$228K	$57K	COMPANION LIFE INSURANCE COMPANY