Welfare broker

PARTLOW INSURANCE AGENCY INC

Mailing address (most recent filing)

2333 N FREDERICK PIKE

WINCHESTER, VA 22603

Total comp: $654K
Commissions: $93K
Fees: $561K
Filings: 8
Sponsors: 8

Carrier mix

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

CIGNA HEALTH AND LIFE INSURANCE COMPANY66.7%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA16.7%
EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA16.7%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
CIGNA HEALTH AND LIFE INSURANCE COMPANY	4	$16.8M	66.7%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$250K	16.7%
EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA	1	$184K	16.7%

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
NJ	6	$17.3M	0.2%	46.37x

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 PARTLOW INSURANCE AGENCY INC's plans by broker comp / premium ratio. Median 6.19% vs welfare-wide median 6.29% (n=6).

Prospect-flag exposure · vs market baseline

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

1-6 of 6 sponsors where PARTLOW INSURANCE AGENCY INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
SPECTRUM 360 SPECTRUM 360	NJ	$5.1M	$351K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
HAWKSWOOD, INC. HAWKSWOOD, INC. HEALTH AND WELFARE PLAN	NJ	$3.2M	$207K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
COLLIER YOUTH SERVICES COLLIER YOUTH SERVICES HEALTH AND WELFARE PLAN	NJ	$2.7M	$196K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
EFFECTIVE SCHOOL SOLUTIONS EFFECTIVE SCHOOL SOLUTIONS HEALTH AND WELFARE PLAN	NJ	$5.8M	$139K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
TERRANOVA GROUP, INC. TERRANOVA GROUP, INC. HEALTH AND WELFARE BENEFITS PLAN	NJ	$250K	$15K	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA
NEW JERSEY INSTITUTE FOR DISABILITIES, INC. NEW JERSEY INSTITUTE FOR DISABILITIES, INC. HEALTH AND WELFARE PLAN	NJ	$184K	$11K	EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA