Welfare broker

RAILROAD MARKTING INSURANCE SERVICE

Mailing address (most recent filing)

PO BOX 911630

ST. GEORGE, UT 84791

Total comp: $1.7M
Commissions: $1.5M
Fees: $190K
Filings: 6
Sponsors: 6

Carrier mix

Where RAILROAD MARKTING INSURANCE SERVICE places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

RELIANCE STANDARD LIFE INSURANCE COMPANY50.0%
EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA33.3%
STANDARD INSURANCE COMPANY16.7%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
RELIANCE STANDARD LIFE INSURANCE COMPANY	3	$376K	50.0%
EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA	2	$8.9M	33.3%
STANDARD INSURANCE COMPANY	1	$60K	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
NC	6	$9.3M	0.2%	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 RAILROAD MARKTING INSURANCE SERVICE's plans by broker comp / premium ratio. Median 21.25% vs welfare-wide median 6.29% (n=6).

Prospect-flag exposure · vs market baseline

Share of RAILROAD MARKTING INSURANCE SERVICE's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-6 of 6 sponsors where RAILROAD MARKTING INSURANCE SERVICE is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
BROTHERHOOD OF LOCOMOTIVE ENGINEERS RAILROAD WORKERS BENEFIT FOUNDATION	NC	$6.0M	$1.3M	EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA
BROTHERHOOD OF LOCOMOTIVE ENGINEERS BROTHERHOOD OF LOCOMOTIVE ENGINEERS & TRAINMENT NORFOLK SOUTHERN	NC	$2.9M	$868K	EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA
BROTHERHOOD OF LOCOMOTIVE ENGINEERS RAILROAD WORKERS BENEFIT FOUNDATION	NC	$226K	$57K	RELIANCE STANDARD
BROTHERHOOD OF LOCOMOTIVE ENGINEERS RAILROAD WORKERS BENEFIT FOUNDATION	NC	$106K	$22K	RELIANCE STANDARD
BROTHERHOOD OF LOCOMOTIVE ENGINEERS MOW LTD	NC	$60K	$13K	STANDARD INSURANCE COMPANY
BROTHERHOOD OF LOCOMOTIVE ENGINEERS RAILROAD WORKERS BENEFIT FOUNDATION	NC	$44K	$9K	RELIANCE STANDARD