Welfare broker

LUCENT HEALTH SOLUTIONS

Mailing address (most recent filing)

424 CHURCH STREET, SUITE 2300

NASHVILLE, TN 37219

Total comp: $388K
Commissions: $67K
Fees: $322K
Filings: 9
Sponsors: 9

Carrier mix

Where LUCENT HEALTH SOLUTIONS places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNITEDHEALTHCARE INSURANCE COMPANY33.3%
NATIONWIDE LIFE INSURANCE COMPANY33.3%
THE LINCOLN NATIONAL LIFE INSURANCE COMPANY33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	1	$536K	33.3%
NATIONWIDE LIFE INSURANCE COMPANY	1	$278K	33.3%
THE LINCOLN NATIONAL LIFE INSURANCE COMPANY	1	$0	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	2	$536K	0.1%	43.28x
PA	1	$278K	0.0%	7.99x

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 LUCENT HEALTH SOLUTIONS's plans by broker comp / premium ratio. Median 30.56% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-3 of 3 sponsors where LUCENT HEALTH SOLUTIONS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
LANDERS FORD INC LANDERS FORD SECTION 125 BENEFIT PLAN	TN	$0	$286K	THE LINCOLN NATIONAL LIFE INSURANCE COMPANY
WILLIAMS STEEL CO. WILLIAMS STEEL CO SELF FUNDED MEDICAL REIMBURSEMENT PLAN	TN	$536K	$164K	OPTUM HEALTH (UNIMERICA INSURANCE COMPANY)
SPECIALTY BAKERS LLC SPECIALTY BAKERS HEALTH AND PRESCRIPTION DRUG	PA	$278K	$0	NATIONWIDE LIFE INSURANCE COMPANY

Carrier

Plans

Premium

UNITEDHEALTHCARE INSURANCE COMPANY

$536K

33.3%

NATIONWIDE LIFE INSURANCE COMPANY

$278K

33.3%

THE LINCOLN NATIONAL LIFE INSURANCE COMPANY

33.3%

State

Plans

Premium

State share

Index

$536K

0.1%

43.28x

$278K

0.0%

7.99x

Sponsor

Loc

Premium

Comp

Carrier

LANDERS FORD INC

LANDERS FORD SECTION 125 BENEFIT PLAN

$286K

THE LINCOLN NATIONAL LIFE INSURANCE COMPANY

WILLIAMS STEEL CO.

WILLIAMS STEEL CO SELF FUNDED MEDICAL REIMBURSEMENT PLAN

$536K

$164K

OPTUM HEALTH (UNIMERICA INSURANCE COMPANY)

SPECIALTY BAKERS LLC

SPECIALTY BAKERS HEALTH AND PRESCRIPTION DRUG

$278K

NATIONWIDE LIFE INSURANCE COMPANY