Welfare broker

KIRBY INDUSTRIES INC.

Mailing address (most recent filing)

819 SW FEDERAL HWY STE 206

STUART, FL 34994

Total comp: $307K
Commissions: $307K
Fees: $0
Filings: 5
Sponsors: 5

Carrier mix

Where KIRBY INDUSTRIES INC. 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	$4.6M	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
NC	1	$3.0M	0.0%	23.86x
FL	1	$1.6M	0.0%	12.70x

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 KIRBY INDUSTRIES INC.'s plans by broker comp / premium ratio. Median 5.26% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where KIRBY INDUSTRIES INC. is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
CONGRUITY HR CONGRUITY HR EMPLOYEE WELFARE BENEFITS PLAN	NC	$3.0M	$142K	BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA
ILUMED LLC ILUMED LLC EMPLOYEE WELFARE BENEFIT PLAN	FL	$1.6M	$91K	BLUE CROSS BLUE SHIELD OF FLORIDA