Welfare broker

LUMINA BENEFITS

Mailing address (most recent filing)

1201 RALEIGH RD

STE 209

CHAPEL HILL, NC 27517

Total comp: $44K
Commissions: $44K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

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

METROPOLITAN LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
METROPOLITAN LIFE INSURANCE COMPANY	1	$354K	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	$354K	0.0%	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 LUMINA BENEFITS's plans by broker comp / premium ratio. Median 21.86% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where LUMINA BENEFITS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
FRANK L. BLUM CONSTRUCTION COMPANY, INC. FRANK L. BLUM CONSTRUCTION CO. EMPLOYEE BENEFITS PLAN	NC	$354K	$77K	METROPOLITAN LIFE INSURANCE COMPANY