Welfare broker

LIFESTORE INS SERVICES INC

Mailing address (most recent filing)

PAMELA BARKER

PO BOX 825

WEST JEFFERSON, NC 28694

Total comp: $58K
Commissions: $55K
Fees: $3K
Filings: 2
Sponsors: 2

Carrier mix

Where LIFESTORE INS SERVICES INC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNITED OF OMAHA LIFE INSURANCE COMPANY50.0%
DELTA DENTAL OF CALIFORNIA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITED OF OMAHA LIFE INSURANCE COMPANY	1	$456K	50.0%
DELTA DENTAL OF CALIFORNIA	1	$120K	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
NC	2	$576K	0.1%	47.73x

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 LIFESTORE INS SERVICES INC's plans by broker comp / premium ratio. Median 11.26% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where LIFESTORE INS SERVICES INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ASHE MEMORIAL HOSPITAL THE ASHE MEMORIAL HOSPITAL OTHER BENEFITS PLAN	NC	$456K	$46K	UNITED OF OMAHA LIFE INSURANCE COMPANY
LIFESTORE FINANCIAL GROUP, INC. LIFESTORE HEALTH & WELFARE PLAN	NC	$120K	$15K	DELTA DENTAL OF NORTH CAROLINA

Carrier

Plans

Premium

UNITED OF OMAHA LIFE INSURANCE COMPANY

$456K

50.0%

DELTA DENTAL OF CALIFORNIA

$120K

50.0%

State

Plans

Premium

State share

Index

$576K

0.1%

47.73x

Sponsor

Loc

Premium

Comp

Carrier

ASHE MEMORIAL HOSPITAL

THE ASHE MEMORIAL HOSPITAL OTHER BENEFITS PLAN

$456K

$46K

UNITED OF OMAHA LIFE INSURANCE COMPANY

LIFESTORE FINANCIAL GROUP, INC.

LIFESTORE HEALTH & WELFARE PLAN

$120K

$15K

DELTA DENTAL OF NORTH CAROLINA