Welfare broker

INSURANCE CONSULTANTS OF VA, INC.

Mailing address (most recent filing)

111 WESTPORT PLAZA DR

ST LOUIS, MO 63146

Total comp: $85K
Commissions: $84K
Fees: $805
Filings: 5
Sponsors: 5

Carrier mix

Where INSURANCE CONSULTANTS OF VA, INC. places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

SENTARA HEALTH PLAN50.0%
HEALTH NET50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
SENTARA HEALTH PLAN	1	$891K	50.0%
HEALTH NET	1	$1.3M	50.0%

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	$891K	0.0%	22.94x
MO	1	$1.3M	0.0%	8.93x

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 INSURANCE CONSULTANTS OF VA, INC.'s plans by broker comp / premium ratio. Median 3.72% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where INSURANCE CONSULTANTS OF VA, INC. is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
DFM INVESTMENT COMPANY, INC. DFM INVESTMENT COMPANY, INC. WELFARE BENEFIT PLAN	MO	$1.3M	$44K	HEALTHY ALLIANCE LIFE INSURANCE
HARMONY HOSPITALITY, INC. HARMONY HOSPITALITY, INC. CAFETERIA PLAN	VA	$891K	$36K	SENTARA HEALTH PLAN

Carrier

Plans

Premium

SENTARA HEALTH PLAN

$891K

50.0%

HEALTH NET

$1.3M

50.0%

State

Plans

Premium

State share

Index

$891K

0.0%

22.94x

$1.3M

0.0%

8.93x

Sponsor

Loc

Premium

Comp

Carrier

DFM INVESTMENT COMPANY, INC.

DFM INVESTMENT COMPANY, INC. WELFARE BENEFIT PLAN

$1.3M

$44K

HEALTHY ALLIANCE LIFE INSURANCE

HARMONY HOSPITALITY, INC.

HARMONY HOSPITALITY, INC. CAFETERIA PLAN

$891K

$36K

SENTARA HEALTH PLAN