Welfare broker

KAREN WOODWARD

Mailing address (most recent filing)

4026 NORTH ZION VALLEY DRIVE

FAYETTEVILLE, AR 72703

Total comp: $23K
Commissions: $23K
Fees: $5
Filings: 10
Sponsors: 10

Carrier mix

Where KAREN WOODWARD 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	1	$1.4M	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
AR	1	$1.4M	0.2%	220.93x

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 KAREN WOODWARD's plans by broker comp / premium ratio. Median 0.08% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where KAREN WOODWARD is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
FM STRUCTURAL PLASTIC TECHNOLOGY, INC SIBLEY FM FLEXIBLE COMPENSATION PLAN	AR	$1.4M	$1K	ARKANSAS BLUE CROSS BLUE SHIELD HEALTH