Welfare broker

JOSHUA SMITH

Mailing address (most recent filing)

504 WILLOW OAK DRIVE, SUITE 100

BOWLING GREEN, KY 42103

Total comp: $203K
Commissions: $203K
Fees: $0
Filings: 5
Sponsors: 5

Carrier mix

Where JOSHUA SMITH places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

BLUE CROSS OF CALIFORNIA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	2	$5.1M	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
TN	2	$5.1M	0.1%	64.91x

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 JOSHUA SMITH's plans by broker comp / premium ratio. Median 5.51% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where JOSHUA SMITH is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
SOUTHERN HEALTH PARTNERS, INC. SOUTHERN HEALTH PARTNERS, INC. HEALTH AND WELFARE PLAN	TN	$3.7M	$196K	BLUECROSS BLUESHIELD OF TENNESSEE, INC.
COMMERCIAL BANK & TRUST COMPANY COMMERCIAL BANK AND TRUST COMPANY EMPLOYEE BENEFITS PLAN	TN	$1.4M	$82K	BLUECROSS BLUESHIELD OF TENNESSEE, INC.

Carrier

Plans

Premium

BLUE CROSS OF CALIFORNIA

$5.1M

100.0%

State

Plans

Premium

State share

Index

$5.1M

0.1%

64.91x

Sponsor

Loc

Premium

Comp

Carrier

SOUTHERN HEALTH PARTNERS, INC.

SOUTHERN HEALTH PARTNERS, INC. HEALTH AND WELFARE PLAN

$3.7M

$196K

BLUECROSS BLUESHIELD OF TENNESSEE, INC.

COMMERCIAL BANK & TRUST COMPANY

COMMERCIAL BANK AND TRUST COMPANY EMPLOYEE BENEFITS PLAN

$1.4M

$82K

BLUECROSS BLUESHIELD OF TENNESSEE, INC.