Welfare broker

ROBERT GROOM

Mailing address (most recent filing)

601 TENNESSEE AVE

CHARLESTON, WV 25302

Total comp: $26K
Commissions: $26K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

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

BLUE CROSS OF CALIFORNIA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	1	$925K	100.0%

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
WV	1	$925K	0.2%	278.99x

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 GROOM's plans by broker comp / premium ratio. Median 4.55% vs welfare-wide median 6.35% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where ROBERT GROOM is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
JIM C HAMER COMPANY JIM C HAMER COMPANY HEALTH PLAN	WV	$925K	$42K	HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA