Welfare broker

ROBERT F GROOM

Mailing address (most recent filing)

601 TENNESSEE AVE

CHARLESTON, WV 25302

Total comp: $80K
Commissions: $80K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

Where ROBERT F 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	2	$3.0M	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	2	$3.0M	0.5%	277.51x

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 F GROOM's plans by broker comp / premium ratio. Median 4.66% vs welfare-wide median 6.31% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where ROBERT F GROOM is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
QUALITY INSIGHTS, INC. QUALITY INSIGHTS WRAP PLAN	WV	$2.1M	$98K	HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA
JIM C HAMER COMPANY JIM C HAMER COMPANY HEALTH PLAN	WV	$925K	$42K	HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA