Welfare broker

ROBERT SPELL

Mailing address (most recent filing)

PO BOX 680

CLINTON, NC 28329

Total comp: $30K
Commissions: $30K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

Where ROBERT SPELL 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	$1.2M	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
NC	1	$1.2M	0.0%	47.92x

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 SPELL's plans by broker comp / premium ratio. Median 4.51% vs welfare-wide median 6.31% (n=1).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
STANLEY TOTAL LIVING CENTER, INC. STANLEY TOTAL LIVING CENTER, INC. MANAGED MEDICAL	NC	$1.2M	$52K	BLUECROSS BLUESHIELD OF NORTH CAROLINA