Welfare broker

LORI A STURD-GIBSON

Mailing address (most recent filing)

3238 CREEK BEND CV

GARLAND, TX 750442020

Total comp: $98K
Commissions: $90K
Fees: $8K
Filings: 3
Sponsors: 3

Carrier mix

Where LORI A STURD-GIBSON places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

CIGNA HEALTH AND LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$677K	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
MN	1	$677K	0.0%	50.15x

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 LORI A STURD-GIBSON's plans by broker comp / premium ratio. Median 13.20% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of LORI A STURD-GIBSON's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where LORI A STURD-GIBSON is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
EXPLEO TECHNOLOGY USA, INC. DBA TRISSENTIAL EXPLEO TECHNOLOGY USA, INC. DBA TRISSENTIAL HEALTH AND WELFARE PLAN	MN	$677K	$89K	CIGNA HEALTH AND LIFE INSURANCE COMPANY