Welfare broker

PAMELA ROWSEY LARSON

Mailing address (most recent filing)

844 SANDSTONE RDG

COLD SPRINGS, KY 41076

Total comp: $156K
Commissions: $154K
Fees: $1K
Filings: 33
Sponsors: 33

Carrier mix

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

AFLAC100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
AFLAC	1	$196K	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
KY	1	$196K	0.0%	19.10x

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 PAMELA ROWSEY LARSON's plans by broker comp / premium ratio. Median 18.77% vs welfare-wide median 6.31% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where PAMELA ROWSEY LARSON is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
FORCHT GROUP OF KENTUCKY, INC. FORCHT GROUP OF KENTUCKY, INC. VOLUNTARY HEALTH PLAN	KY	$196K	$37K	CONTINENTAL AMERICAN INSURANCE COMPANY