Welfare broker

PAUL SAIA

Mailing address (most recent filing)

2004 MORNING COVE CIRLCE

BIRMINGHAM, AL 35244

Total comp: $254K
Commissions: $254K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

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

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$1.3M	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
AL	1	$1.3M	0.1%	107.78x

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 PAUL SAIA's plans by broker comp / premium ratio. Median 12.33% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where PAUL SAIA is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
SERVISFIRST BANK SERVISFIRST BANK HEALTH & WELFARE BENEFIT PLAN	AL	$1.3M	$158K	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA