Welfare broker

MID-STATE INSURANCE AGENCY INC

Mailing address (most recent filing)

2525 RIVERMONT AVE

LYNCHBURG, VA 24503

Total comp: $194K
Commissions: $193K
Fees: $535
Filings: 6
Sponsors: 6

Carrier mix

Where MID-STATE INSURANCE AGENCY INC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNITED OF OMAHA LIFE INSURANCE COMPANY66.7%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITED OF OMAHA LIFE INSURANCE COMPANY	2	$135K	66.7%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$257K	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
VA	3	$392K	0.1%	45.89x

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 MID-STATE INSURANCE AGENCY INC's plans by broker comp / premium ratio. Median 10.53% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

Share of MID-STATE INSURANCE AGENCY INC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-3 of 3 sponsors where MID-STATE INSURANCE AGENCY INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
NORFOLK ACADEMY NORFOLK ACADEMY FLEXIBLE BENEFIT PLAN	VA	$257K	$27K	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA
THE STEWARD SCHOOL THE STEWARD SCHOOL LIFE AND AD&D	VA	$57K	$12K	UNITED OF OMAHA LIFE INSURANCE COMPANY
THE STEWARD SCHOOL THE STEWARD SCHOOL MEDICAL PLAN	VA	$78K	$8K	UNITED OF OMAHA LIFE INSURANCE COMPANY

Carrier

Plans

Premium

UNITED OF OMAHA LIFE INSURANCE COMPANY

$135K

66.7%

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

$257K

33.3%

State

Plans

Premium

State share

Index

$392K

0.1%

45.89x

Sponsor

Loc

Premium

Comp

Carrier

NORFOLK ACADEMY

NORFOLK ACADEMY FLEXIBLE BENEFIT PLAN

$257K

$27K

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

THE STEWARD SCHOOL

THE STEWARD SCHOOL LIFE AND AD&D

$57K

$12K

UNITED OF OMAHA LIFE INSURANCE COMPANY

THE STEWARD SCHOOL

THE STEWARD SCHOOL MEDICAL PLAN

$78K

$8K

UNITED OF OMAHA LIFE INSURANCE COMPANY