Welfare broker

KERSEY SEALEY CLARK & ASSOCIATES

Mailing address (most recent filing)

705 MOBJACK PLACE

SUITE A

NEWPORT NEWS, VA 23606

Total comp: $52K
Commissions: $52K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

Where KERSEY SEALEY CLARK & ASSOCIATES places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNUM LIFE INSURANCE COMPANY OF AMERICA50.0%
SUN LIFE ASSURANCE COMPANY OF CANADA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNUM LIFE INSURANCE COMPANY OF AMERICA	1	$215K	50.0%
SUN LIFE ASSURANCE COMPANY OF CANADA	1	$123K	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	2	$338K	0.1%	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 KERSEY SEALEY CLARK & ASSOCIATES's plans by broker comp / premium ratio. Median 20.01% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of KERSEY SEALEY CLARK & ASSOCIATES's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where KERSEY SEALEY CLARK & ASSOCIATES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
VIRGINIA HEALTH SERVICES, INC. GROUP INSURANCE PLAN FOR EMPLOYEES OF VIRGINIA HEALTH SERVICES, INC	VA	$215K	$52K	UNUM LIFE INSURANCE COMPANY OF AMERICA
VIRGINIA HEALTH SERVICES, INC. VIRGINIA HEALTH SERVICES, INC. FLEXIBLE BENEFITS PLAN	VA	$123K	$19K	SUN LIFE ASSURANCE COMPANY OF CANADA

Carrier

Plans

Premium

UNUM LIFE INSURANCE COMPANY OF AMERICA

$215K

50.0%

SUN LIFE ASSURANCE COMPANY OF CANADA

$123K

50.0%

State

Plans

Premium

State share

Index

$338K

0.1%

45.89x

Sponsor

Loc

Premium

Comp

Carrier

VIRGINIA HEALTH SERVICES, INC.

GROUP INSURANCE PLAN FOR EMPLOYEES OF VIRGINIA HEALTH SERVICES, INC

$215K

$52K

UNUM LIFE INSURANCE COMPANY OF AMERICA

VIRGINIA HEALTH SERVICES, INC.

VIRGINIA HEALTH SERVICES, INC. FLEXIBLE BENEFITS PLAN

$123K

$19K

SUN LIFE ASSURANCE COMPANY OF CANADA