Welfare broker

PATRIC M. CREAMER INS. AGENCY, INC.

Mailing address (most recent filing)

51 EAST 400 NORTH, SUITE 5A

CEDAR CITY, UT 84721

Total comp: $72K
Commissions: $54K
Fees: $18K
Filings: 1
Sponsors: 1

Carrier mix

Where PATRIC M. CREAMER INS. AGENCY, INC. places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNUM LIFE INSURANCE COMPANY OF AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNUM LIFE INSURANCE COMPANY OF AMERICA	1	$6.0M	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	$6.0M	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 PATRIC M. CREAMER INS. AGENCY, INC.'s plans by broker comp / premium ratio. Median 2.91% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of PATRIC M. CREAMER INS. AGENCY, INC.'s book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where PATRIC M. CREAMER INS. AGENCY, INC. is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
CHARLOTTE PIPE AND FOUNDRY COMPANY CHARLOTTE PIPE AND FOUNDRY COMPANY EMPLOYEES BENEFIT PLAN	NC	$6.0M	$176K	UNUM LIFE INSURANCE COMPANY OF AMERICA

Carrier

Plans

Premium

UNUM LIFE INSURANCE COMPANY OF AMERICA

$6.0M

100.0%

State

Plans

Premium

State share

Index

$6.0M

0.0%

47.73x

Sponsor

Loc

Premium

Comp

Carrier

CHARLOTTE PIPE AND FOUNDRY COMPANY

CHARLOTTE PIPE AND FOUNDRY COMPANY EMPLOYEES BENEFIT PLAN

$6.0M

$176K

UNUM LIFE INSURANCE COMPANY OF AMERICA