Welfare broker

MARTIN AND ZERFOSS, INC.

Mailing address (most recent filing)

2909 POSTON AVENUE

NASHVILLE, TN 37212

Total comp: $206K
Commissions: $68K
Fees: $138K
Filings: 5
Sponsors: 5

Carrier mix

Where MARTIN AND ZERFOSS, INC. places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNITEDHEALTHCARE INSURANCE COMPANY33.3%
UNITED OF OMAHA 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	$2.8M	33.3%
UNITED OF OMAHA LIFE INSURANCE COMPANY	1	$109K	33.3%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$938K	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	$3.9M	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 MARTIN AND ZERFOSS, INC.'s plans by broker comp / premium ratio. Median 6.56% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

Share of MARTIN AND ZERFOSS, INC.'s book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-3 of 3 sponsors where MARTIN AND ZERFOSS, INC. is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
REPUBLIC SCHOOLS, INC. REPUBLIC SCHOOLS, INC.	TN	$2.8M	$112K	UNITEDHEALTHCARE INSURANCE COMPANY
INTREPID COLLEGE PREPARATORY INTREPID COLLEGE PREPARATORY BENEFIT PLAN	TN	$938K	$62K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
THE AYERS FOUNDATION TRUST THE AYERS FOUNDATION TRUST BENEFIT PLAN	TN	$109K	$17K	UNITED OF OMAHA LIFE INSURANCE COMPANY

Carrier

Plans

Premium

UNITEDHEALTHCARE INSURANCE COMPANY

$2.8M

33.3%

UNITED OF OMAHA LIFE INSURANCE COMPANY

$109K

33.3%

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$938K

33.3%

State

Plans

Premium

State share

Index

$3.9M

0.2%

64.91x

Sponsor

Loc

Premium

Comp

Carrier

REPUBLIC SCHOOLS, INC.

$2.8M

$112K

UNITEDHEALTHCARE INSURANCE COMPANY

INTREPID COLLEGE PREPARATORY

INTREPID COLLEGE PREPARATORY BENEFIT PLAN

$938K

$62K

CIGNA HEALTH AND LIFE INSURANCE COMPANY

THE AYERS FOUNDATION TRUST

THE AYERS FOUNDATION TRUST BENEFIT PLAN

$109K

$17K

UNITED OF OMAHA LIFE INSURANCE COMPANY