Welfare broker

LBMC EMPLOYMENT PARTNERS

Mailing address (most recent filing)

PO BOX 5164

BRENTWOOD, TN 37024

Total comp: $2.2M
Commissions: $537K
Fees: $1.6M
Filings: 10
Sponsors: 10

Carrier mix

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

UNITEDHEALTHCARE INSURANCE COMPANY33.3%
THE LINCOLN NATIONAL LIFE INSURANCE COMPANY33.3%
CIGNA HEALTH AND LIFE INSURANCE COMPANY33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	1	$3.5M	33.3%
THE LINCOLN NATIONAL LIFE INSURANCE COMPANY	1	$279K	33.3%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$2.0M	33.3%

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	3	$5.8M	0.2%	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 LBMC EMPLOYMENT PARTNERS's plans by broker comp / premium ratio. Median 5.75% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

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

1-3 of 3 sponsors where LBMC EMPLOYMENT PARTNERS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ATHENS DISTRIBUTING COMPANY OF NASHVILLE ATHENS DISTRIBUTING COMPANY WRAP WELFARE BENEFIT PLAN	TN	$3.5M	$202K	UNITEDHEALTHCARE INSURANCE COMPANY
WEST END RESTAURANTS, LLC DBA BRICKTOP'S WEST END RESTAURANTS LLC DBA BRICKTOPS	TN	$2.0M	$74K	CIGNA
LBMC, P.C. LATTIMORE BLACK MORGAN & CAIN & AFFILIATES LONG TERM DISABILITY PLAN	TN	$279K	$42K	THE LINCOLN NATIONAL LIFE INSURANCE COMPANY

Carrier

Plans

Premium

UNITEDHEALTHCARE INSURANCE COMPANY

$3.5M

33.3%

THE LINCOLN NATIONAL LIFE INSURANCE COMPANY

$279K

33.3%

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$2.0M

33.3%

State

Plans

Premium

State share

Index

$5.8M

0.2%

64.91x

Sponsor

Loc

Premium

Comp

Carrier

ATHENS DISTRIBUTING COMPANY OF NASHVILLE

ATHENS DISTRIBUTING COMPANY WRAP WELFARE BENEFIT PLAN

$3.5M

$202K

UNITEDHEALTHCARE INSURANCE COMPANY

WEST END RESTAURANTS, LLC DBA BRICKTOP'S

WEST END RESTAURANTS LLC DBA BRICKTOPS

$2.0M

$74K

CIGNA

LBMC, P.C.

LATTIMORE BLACK MORGAN & CAIN & AFFILIATES LONG TERM DISABILITY PLAN

$279K

$42K

THE LINCOLN NATIONAL LIFE INSURANCE COMPANY