Welfare broker

MICHAEL HUNTER

Mailing address (most recent filing)

136 CO RD 7

FLORENCE, AL 35633

Carrier mix

Where MICHAEL HUNTER 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
VISION SERVICE PLAN	1	$117K	25.0%
LLOYDS OF LONDON	1	$475K	25.0%
AFLAC	1	$193K	25.0%
5STAR LIFE INSURANCE COMPANY	1	$40K	25.0%

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
AL	4	$825K	0.4%	107.78x

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 MICHAEL HUNTER's plans by broker comp / premium ratio. Median 11.88% vs welfare-wide median 6.29% (n=4).

Prospect-flag exposure · vs market baseline

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

1-4 of 4 sponsors where MICHAEL HUNTER is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
BANK INDEPENDENT BANK INDEPENDENT AFLAC	AL	$193K	$33K	AFLAC
E S ROBBINS CORPORATION E S ROBBINS CORPORATION WELFARE BENEFIT PLAN	AL	$475K	$24K	LLOYDS
BANK INDEPENDENT BANK INDEPENDENT VISION	AL	$117K	$12K	VISION SERVICE PLAN
BANK INDEPENDENT BANK INDEPENDENT 5STAR	AL	$40K	$5K	5STAR LIFE INSURANCE COMPANY