Welfare broker

IOA - INSURANCE OFFICE OF AMERICA

Mailing address (most recent filing)

100 BROOKWOOD PLACE, SUITE 500

BIRMINGHAM, AL 35209

Total comp: $97K
Commissions: $63K
Fees: $35K
Filings: 8
Sponsors: 8

Carrier mix

Where IOA - INSURANCE OFFICE OF AMERICA places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

CIGNA HEALTH AND LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$857K	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
PA	1	$857K	0.0%	23.98x

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 IOA - INSURANCE OFFICE OF AMERICA's plans by broker comp / premium ratio. Median 3.08% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of IOA - INSURANCE OFFICE OF AMERICA's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where IOA - INSURANCE OFFICE OF AMERICA is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ISOCLIMA SPECIALTY GLASS, LLC ISOCLIMA SPECIALTY GLASS, LLC WELFARE BENEFITS PLAN	PA	$857K	$26K	CIGNA HEALTH AND LIFE INSURANCE COMPANY

Carrier

Plans

Premium

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$857K

100.0%

State

Plans

Premium

State share

Index

$857K

0.0%

23.98x

Sponsor

Loc

Premium

Comp

Carrier

ISOCLIMA SPECIALTY GLASS, LLC

ISOCLIMA SPECIALTY GLASS, LLC WELFARE BENEFITS PLAN

$857K

$26K

CIGNA HEALTH AND LIFE INSURANCE COMPANY