Welfare broker

MED-PAY, INC.

Mailing address (most recent filing)

P O BOX 10909

SPRINGFIELD, MO 65808

Carrier mix

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

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
GERBER LIFE INSURANCE COMPANY	2	$869K	33.3%
HCC LIFE INSURANCE COMPANY	1	$1.4M	16.7%
SIRIUS AMERICA INSURANCE COMPANY	1	$1.6M	16.7%
AMERICAN UNITED LIFE INSURANCE COMPANY	1	$72K	16.7%
COMPANION LIFE INSURANCE COMPANY	1	$230K	16.7%

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
MO	5	$3.9M	0.1%	14.88x
AR	1	$246K	0.2%	36.82x

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 MED-PAY, INC.'s plans by broker comp / premium ratio. Median 13.94% vs welfare-wide median 6.29% (n=6).

Prospect-flag exposure · vs market baseline

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

1-6 of 6 sponsors where MED-PAY, INC. is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
SRC HOLDINGS CORPORATION SRC BENEFITS PROGRAMS TRUST HEALTH INSURANCE FUND	MO	$1.4M	$196K	HCC LIFE INSURANCE COMPANY
OZARKS COCA-COLA/DR PEPPER BOTTLING COMPANY OZARKS COCA-COLA/DR PEPPER BOTTLING COMPANY GROUP HEALTH PLAN	MO	$1.6M	$195K	SIRIUSPOINT AMERICA INSURANCE COMPANY
THE DURHAM COMPANY DURHAM COMPANY MAJOR MEDICAL AND DISABILITY PLAN	MO	$623K	$187K	GERBER LIFE INSURANCE COMPANY
HEART OF AMERICA BEVERAGE COMPANY LLC HEART OF AMERICA BEVERAGE COMPANY LLC EMPLOYEE HEALTH CARE PLAN	MO	$230K	$74K	COMPANION LIFE INSURANCE COMPANY
SCURLOCK HOLDINGS, INC SCURLOCK INDUSTRIES EMPLOYEE HEALTH CARE PLAN	AR	$246K	$34K	GERBER LIFE INSURANCE COMPANY
LOREN COOK COMPANY LOREN COOK COMPANY HEALTH CARE BENEFIT PLAN	MO	$72K	$10K	AMERICAN UNITED LIFE INSURANCE COMPANY