Welfare broker

ROBERT L GOBLE

Mailing address (most recent filing)

250 34TH AVE NE

HICKORY, NC 28601

Total comp: $168K
Commissions: $79K
Fees: $89K
Filings: 25
Sponsors: 25

Carrier mix

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

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA50.0%
BLUE CROSS OF CALIFORNIA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$1.9M	50.0%
BLUE CROSS OF CALIFORNIA	1	$1.9M	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
MO	1	$1.9M	0.0%	8.93x
MA	1	$1.9M	0.0%	23.11x

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 L GOBLE's plans by broker comp / premium ratio. Median 3.32% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
TRUSTEES - UGSOA HEALTH AND WELFARE FUND UGSOA HEALTH AND WELFARE TRUST FUND	MA	$1.9M	$126K	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA
EVERGY, INC. EVERGY KANSAS CENTRAL, INC.GROUP HEALTH PLAN FOR EMPLOYEES REPRESENTED BY LOCAL 252 OF THE UGSOA	MO	$1.9M	$546	BLUE CROSS AND BLUE SHIELD OF KANSAS

Carrier

Plans

Premium

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

$1.9M

50.0%

BLUE CROSS OF CALIFORNIA

$1.9M

50.0%

State

Plans

Premium

State share

Index

$1.9M

0.0%

8.93x

$1.9M

0.0%

23.11x

Sponsor

Loc

Premium

Comp

Carrier

TRUSTEES - UGSOA HEALTH AND WELFARE FUND

UGSOA HEALTH AND WELFARE TRUST FUND

$1.9M

$126K

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

EVERGY, INC.

EVERGY KANSAS CENTRAL, INC.GROUP HEALTH PLAN FOR EMPLOYEES REPRESENTED BY LOCAL 252 OF THE UGSOA

$1.9M

$546

BLUE CROSS AND BLUE SHIELD OF KANSAS