Welfare broker

PROVISIONS BENEFIT GROUP

Mailing address (most recent filing)

3204 SAINT REGIS ROAD

GREENSBORO, NC 27408

Total comp: $99K
Commissions: $99K
Fees: $0
Filings: 4
Sponsors: 4

Carrier mix

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

UNUM LIFE INSURANCE COMPANY OF AMERICA50.0%
CIGNA HEALTH AND LIFE INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNUM LIFE INSURANCE COMPANY OF AMERICA	1	$73K	50.0%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$569K	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
NC	2	$641K	0.1%	47.53x

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 PROVISIONS BENEFIT GROUP's plans by broker comp / premium ratio. Median 17.94% vs welfare-wide median 6.35% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where PROVISIONS BENEFIT GROUP is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
CAROLINA COMFORT AIR, INC. CAROLINA COMFORT AIR, INC. HEALTH & WELFARE BENEFITS PLAN	NC	$569K	$128K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
HUGHES FURNITURE INDUSTRIES, INC. HUGHES FURNITURE INDUSTRIES, INC GROUP BENEFIT PLAN	NC	$73K	$10K	UNUM LIFE INSURANCE COMPANY OF AMERICA

Carrier

Plans

Premium

UNUM LIFE INSURANCE COMPANY OF AMERICA

$73K

50.0%

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$569K

50.0%

State

Plans

Premium

State share

Index

$641K

0.1%

47.53x

Sponsor

Loc

Premium

Comp

Carrier

CAROLINA COMFORT AIR, INC.

CAROLINA COMFORT AIR, INC. HEALTH & WELFARE BENEFITS PLAN

$569K

$128K

CIGNA HEALTH AND LIFE INSURANCE COMPANY

HUGHES FURNITURE INDUSTRIES, INC.

HUGHES FURNITURE INDUSTRIES, INC GROUP BENEFIT PLAN

$73K

$10K

UNUM LIFE INSURANCE COMPANY OF AMERICA