Welfare broker

ROBERT H STONE SR

Mailing address (most recent filing)

3604 COVENTRY CIR

VESTAVIA HILLS, AL 35243

Total comp: $45K
Commissions: $31K
Fees: $14K
Filings: 28
Sponsors: 28

Carrier mix

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

UNUM LIFE INSURANCE COMPANY OF AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNUM LIFE INSURANCE COMPANY OF AMERICA	1	$51K	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
AL	1	$51K	0.1%	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 ROBERT H STONE SR's plans by broker comp / premium ratio. Median 36.37% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
PROHEALTH GROUP, INC PROHEALTH GROUP, INC. - WORKSITE	AL	$51K	$18K	COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY