Welfare broker

MILLER AND LOUGHRY INS AND SVCS INC

Mailing address (most recent filing)

214 W COLLEGE ST.

MURFREESBORO, TN 37130

Total comp: $236K
Commissions: $119K
Fees: $118K
Filings: 4
Sponsors: 4

Carrier mix

Where MILLER AND LOUGHRY INS AND SVCS INC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

CIGNA HEALTH AND LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$2.5M	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
TN	1	$2.5M	0.1%	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 MILLER AND LOUGHRY INS AND SVCS INC's plans by broker comp / premium ratio. Median 7.09% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of MILLER AND LOUGHRY INS AND SVCS INC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where MILLER AND LOUGHRY INS AND SVCS INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
METALMAX, LLC METALMAX, LLC PREMIUM CONVERSION PLAN	TN	$2.5M	$177K	CIGNA HEALTH AND LIFE INSURANCE COMPANY