Welfare broker

P & C RISK SERVICES LLC D.B.A ATHEN

Mailing address (most recent filing)

PO BOX 809

ATHENS, TN 37303

Total comp: $172K
Commissions: $126K
Fees: $46K
Filings: 12
Sponsors: 12

Carrier mix

Where P & C RISK SERVICES LLC D.B.A ATHEN places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNITEDHEALTHCARE INSURANCE COMPANY50.0%
HCC LIFE INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	1	$918K	50.0%
HCC LIFE INSURANCE COMPANY	1	$264K	50.0%

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	2	$1.2M	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 P & C RISK SERVICES LLC D.B.A ATHEN's plans by broker comp / premium ratio. Median 5.31% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of P & C RISK SERVICES LLC D.B.A ATHEN's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where P & C RISK SERVICES LLC D.B.A ATHEN is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
KATOM RESTAURANT SUPPLY, INC. KATOM RESTAURANT SUPPLY, INC. EMPLOYEE BENEFITS PLAN	TN	$918K	$59K	UNITEDHEALTHCARE INSURANCE COMPANY
ATHENS UTILITIES BOARD ATHENS UTILITIES BOARD EMPLOYEE BENEFIT PLAN	TN	$264K	$11K	TOKIO MARINE

Carrier

Plans

Premium

UNITEDHEALTHCARE INSURANCE COMPANY

$918K

50.0%

HCC LIFE INSURANCE COMPANY

$264K

50.0%

State

Plans

Premium

State share

Index

$1.2M

0.1%

64.91x

Sponsor

Loc

Premium

Comp

Carrier

KATOM RESTAURANT SUPPLY, INC.

KATOM RESTAURANT SUPPLY, INC. EMPLOYEE BENEFITS PLAN

$918K

$59K

UNITEDHEALTHCARE INSURANCE COMPANY

ATHENS UTILITIES BOARD

ATHENS UTILITIES BOARD EMPLOYEE BENEFIT PLAN

$264K

$11K

TOKIO MARINE