Welfare broker

ROBERT E. MILLER INSURANCE AGENCY

Mailing address (most recent filing)

903 EAST 104TH STREET, SUITE 800

KANSAS CITY, MO 64131

Total comp: $6.5M
Commissions: $5.2M
Fees: $1.3M
Filings: 113
Sponsors: 113

Carrier mix

Where ROBERT E. MILLER INSURANCE AGENCY places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

BLUE CROSS OF CALIFORNIA46.9%
HCC LIFE INSURANCE COMPANY12.2%
UNITEDHEALTHCARE INSURANCE COMPANY8.2%
SUN LIFE ASSURANCE COMPANY OF CANADA8.2%
RELIASTAR LIFE INSURANCE COMPANY6.1%
WESTPORT INSURANCE CORPORATION6.1%
DELTA DENTAL OF CALIFORNIA4.1%
AETNA LIFE INSURANCE COMPANY4.1%
Other (2)4.1%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	23	$57.4M	46.9%
HCC LIFE INSURANCE COMPANY	6	$5.5M	12.2%
UNITEDHEALTHCARE INSURANCE COMPANY	4	$5.7M	8.2%
SUN LIFE ASSURANCE COMPANY OF CANADA	4	$1.2M	8.2%
RELIASTAR LIFE INSURANCE COMPANY	3	$1.8M	6.1%
WESTPORT INSURANCE CORPORATION	3	$1.7M	6.1%
DELTA DENTAL OF CALIFORNIA	2	$311K	4.1%
AETNA LIFE INSURANCE COMPANY	2	$5.8M	4.1%
SYMETRA LIFE INSURANCE COMPANY	1	$2.1M	2.0%
QBE INSURANCE	1	$881K	2.0%

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
KS	26	$41.9M	3.0%	63.66x
MO	24	$37.9M	0.4%	7.79x
TX	3	$4.6M	0.0%	0.91x
ID	1	$716K	0.2%	4.82x
FL	1	$288K	0.0%	0.46x

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 ROBERT E. MILLER INSURANCE AGENCY's plans by broker comp / premium ratio. Median 6.15% vs welfare-wide median 6.29% (n=55).

Prospect-flag exposure · vs market baseline

Share of ROBERT E. MILLER INSURANCE AGENCY's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

51-55 of 55 sponsors where ROBERT E. MILLER INSURANCE AGENCY is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ANDREWS MCMEEL UNIVERSAL ANDREWS MCMEEL UNIVERSAL GROUP HEALTH & WELFARE PLAN	MO	$881K	$18K	QBE INSURANCE
R & D TOOL & ENGINEERING COMPANY R & D TOOL & ENGINEERING COMPANY HEALTH AND WELFARE PLAN	MO	$137K	$13K	DELTA DENTAL OF MISSOURI
MIDWEST CONCRETE MATERIALS, INC. MIDWEST CONCRETE MATERIALS, INC. WELFARE BENEFIT PLAN	KS	$300K	$13K	SUN LIFE ASSURANCE COMPANY OF CANADA
PEMBROKE HILL SCHOOL PEMBROKE HILL SCHOOL GROUP LIFE INSURANCE PLAN	MO	$109K	$11K	THE LINCOLN NATIONAL LIFE INSURANCE COMPANY
FOUR COUNTY MENTAL HEALTH CENTER, INC. FOUR COUNTY MENTAL HEALTH CENTER HEALTH & WELFARE PLAN	KS	$174K	$8K	DELTA DENTAL OF KANSAS, INC.