Welfare broker

NOVATAE RISK GROUP LLC

Mailing address (most recent filing)

1912 EAST BROAD STREET

RICHMOND, VA 23223

Total comp: $2K
Commissions: $2K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

Where NOVATAE RISK GROUP LLC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

ACE AMERICAN INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
ACE AMERICAN INSURANCE COMPANY	1	$18K	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
NC	1	$18K	0.0%	47.73x

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 NOVATAE RISK GROUP LLC's plans by broker comp / premium ratio. Median 15.77% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of NOVATAE RISK GROUP LLC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where NOVATAE RISK GROUP LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
COTTON INCORPORATED COTTON, INC. GROUP ACCIDENTAL DEATH & DISMEMBERMENT & TRAVEL ACCIDENT	NC	$18K	$3K	ACE AMERICAN INSURANCE COMPANY