Welfare broker

NAUGHT-NAUGHT AGENCY

Mailing address (most recent filing)

1441 CHRISTY DRIVE

PO BOX 1768

JEFFERSON CITY, MO 65102

Total comp: $111K
Commissions: $110K
Fees: $221
Filings: 12
Sponsors: 12

Carrier mix

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

DEARBORN LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
DEARBORN LIFE INSURANCE COMPANY	3	$71K	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
MO	3	$71K	0.0%	17.86x

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 NAUGHT-NAUGHT AGENCY's plans by broker comp / premium ratio. Median 12.13% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

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

1-3 of 3 sponsors where NAUGHT-NAUGHT AGENCY is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
CALLAWAY SECURITY BANKS, INC. THE CALLAWAY BANK LIFE INSURANCE PLAN	MO	$35K	$4K	DEARBORN LIFE INSURANCE COMPANY
CALLAWAY SECURITY BANKS, INC THE CALLAWAY BANK TEMPORARY DISABILITY PLAN	MO	$20K	$2K	DEARBORN LIFE INSURANCE COMPANY
CALLAWAY SECURITY BANKS, INC THE CALLAWAY BANK LONG - TERM DISABILITY PLAN	MO	$16K	$2K	DEARBORN LIFE INSURANCE COMPANY

Carrier

Plans

Premium

DEARBORN LIFE INSURANCE COMPANY

$71K

100.0%

State

Plans

Premium

State share

Index

$71K

0.0%

17.86x

Sponsor

Loc

Premium

Comp

Carrier

CALLAWAY SECURITY BANKS, INC.

THE CALLAWAY BANK LIFE INSURANCE PLAN

$35K

$4K

DEARBORN LIFE INSURANCE COMPANY

CALLAWAY SECURITY BANKS, INC

THE CALLAWAY BANK TEMPORARY DISABILITY PLAN

$20K

$2K

DEARBORN LIFE INSURANCE COMPANY

CALLAWAY SECURITY BANKS, INC

THE CALLAWAY BANK LONG - TERM DISABILITY PLAN

$16K

$2K

DEARBORN LIFE INSURANCE COMPANY