Welfare broker

RICKY STEPP

Mailing address (most recent filing)

111 MAYBELLE ST

STE 1400, 14TH FLOOR

CARTERSVILLE, GA 30120

Total comp: $131K
Commissions: $130K
Fees: $686
Filings: 2
Sponsors: 2

Carrier mix

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

CIGNA HEALTH AND LIFE INSURANCE COMPANY50.0%
AETNA LIFE INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$416K	50.0%
AETNA LIFE INSURANCE COMPANY	1	$279K	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
GA	2	$695K	0.0%	15.18x

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 RICKY STEPP's plans by broker comp / premium ratio. Median 22.84% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where RICKY STEPP is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
COOSA VALLEY CREDIT UNION COOSA VALLEY CREDIT UNION WELFARE BENEFITS PLAN	GA	$416K	$144K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
AQUAFIL USA, INC. AQUAFIL USA, INC. WELFARE BENEFITS PLAN	GA	$279K	$31K	AETNA LIFE INSURANCE CO.

Carrier

Plans

Premium

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$416K

50.0%

AETNA LIFE INSURANCE COMPANY

$279K

50.0%

State

Plans

Premium

State share

Index

$695K

0.0%

15.18x

Sponsor

Loc

Premium

Comp

Carrier

COOSA VALLEY CREDIT UNION

COOSA VALLEY CREDIT UNION WELFARE BENEFITS PLAN

$416K

$144K

CIGNA HEALTH AND LIFE INSURANCE COMPANY

AQUAFIL USA, INC.

AQUAFIL USA, INC. WELFARE BENEFITS PLAN

$279K

$31K

AETNA LIFE INSURANCE CO.