Welfare broker

KEVIN GARDNER

Mailing address (most recent filing)

3510 N CAUSEWAY BLVD

SUITE 300

METAIRIE, LA 70002

Total comp: $270K
Commissions: $270K
Fees: $0
Filings: 7
Sponsors: 7

Carrier mix

Where KEVIN GARDNER 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	$11.1M	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	1	$3.1M	0.1%	32.46x
MS	1	$7.9M	0.2%	124.24x

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 KEVIN GARDNER's plans by broker comp / premium ratio. Median 4.38% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
THE FIRST BANCSHARES, INC. THE FIRST, A NATIONAL BANKING ASSOCIATION BENEFITS PLAN	MS	$7.9M	$298K	BLUE CROSS & BLUE SHIELD OF MISSISSIPPI
ALLERGY ASSOCIATES, PA ALLERGY ASSOCIATES, PA FLEXIBLE BENEFITS PLAN	TN	$3.1M	$157K	BLUECROSS BLUESHIELD OF TENNESSEE, INC.

Carrier

Plans

Premium

BLUE CROSS OF CALIFORNIA

$11.1M

100.0%

State

Plans

Premium

State share

Index

$3.1M

0.1%

32.46x

$7.9M

0.2%

124.24x

Sponsor

Loc

Premium

Comp

Carrier

THE FIRST BANCSHARES, INC.

THE FIRST, A NATIONAL BANKING ASSOCIATION BENEFITS PLAN

$7.9M

$298K

BLUE CROSS & BLUE SHIELD OF MISSISSIPPI

ALLERGY ASSOCIATES, PA

ALLERGY ASSOCIATES, PA FLEXIBLE BENEFITS PLAN

$3.1M

$157K

BLUECROSS BLUESHIELD OF TENNESSEE, INC.