Welfare broker

RBH BENEFITS INC.

Mailing address (most recent filing)

4417 OLD LEEDS ROAD

BIRMINGHAM, AL 35213

Total comp: $152K
Commissions: $152K
Fees: $0
Filings: 3
Sponsors: 3

Carrier mix

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

UNUM LIFE INSURANCE COMPANY OF AMERICA50.0%
PAN-AMERICAN LIFE INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNUM LIFE INSURANCE COMPANY OF AMERICA	1	$186K	50.0%
PAN-AMERICAN LIFE INSURANCE COMPANY	1	$528K	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
AL	2	$713K	0.2%	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 RBH BENEFITS INC.'s plans by broker comp / premium ratio. Median 27.73% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
CAHABA MEDICAL CARE FOUNDATION CAHABA MEDICAL CARE FOUNDATION GAP PLAN	AL	$528K	$190K	PAN-AMERICAN LIFE INSURANCE COMPANY
CAHABA MEDICAL CARE FOUNDATION CAHABA MEDICAL CARE FOUNDATION LIFE, DISABILITY AND ANCILLARY PLAN	AL	$186K	$36K	COLONIAL LIFE & ACCIDENT INSURANCE COMPANY

Carrier

Plans

Premium

UNUM LIFE INSURANCE COMPANY OF AMERICA

$186K

50.0%

PAN-AMERICAN LIFE INSURANCE COMPANY

$528K

50.0%

State

Plans

Premium

State share

Index

$713K

0.2%

107.78x

Sponsor

Loc

Premium

Comp

Carrier

CAHABA MEDICAL CARE FOUNDATION

CAHABA MEDICAL CARE FOUNDATION GAP PLAN

$528K

$190K

PAN-AMERICAN LIFE INSURANCE COMPANY

CAHABA MEDICAL CARE FOUNDATION

CAHABA MEDICAL CARE FOUNDATION LIFE, DISABILITY AND ANCILLARY PLAN

$186K

$36K

COLONIAL LIFE & ACCIDENT INSURANCE COMPANY