Welfare broker

PREMS, INC.

Mailing address (most recent filing)

P.O. BOX 721027

OKLAHOMA CITY, OK 73172

Total comp: $48K
Commissions: $48K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

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

ZURICH AMERICAN INSURANCE COMPANY50.0%
AMERICAN NATIONAL INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
ZURICH AMERICAN INSURANCE COMPANY	1	$160K	50.0%
AMERICAN NATIONAL INSURANCE COMPANY	1	$211K	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
TX	1	$160K	0.0%	8.36x
OK	1	$211K	0.1%	61.53x

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 PREMS, INC.'s plans by broker comp / premium ratio. Median 12.00% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where PREMS, INC. is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
PIERCE COUCH HENDRICKSON BAYSINGER & GREEN, L.L.P. PIERCE COUCH HENDRICKSON BAYSINGER & GREEN, PLAN	OK	$211K	$40K	AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS
THE CHAMPION GROUP THE CHAMPION GROUP EMPLOYEE BENEFIT PLAN TRUST	TX	$160K	$8K	ZURICH AMERICAN INSURANCE COMPANY

Carrier

Plans

Premium

ZURICH AMERICAN INSURANCE COMPANY

$160K

50.0%

AMERICAN NATIONAL INSURANCE COMPANY

$211K

50.0%

State

Plans

Premium

State share

Index

$160K

0.0%

8.36x

$211K

0.1%

61.53x

Sponsor

Loc

Premium

Comp

Carrier

PIERCE COUCH HENDRICKSON BAYSINGER & GREEN, L.L.P.

PIERCE COUCH HENDRICKSON BAYSINGER & GREEN, PLAN

$211K

$40K

AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS

THE CHAMPION GROUP

THE CHAMPION GROUP EMPLOYEE BENEFIT PLAN TRUST

$160K

$8K

ZURICH AMERICAN INSURANCE COMPANY