Welfare broker

ROGER WITHEROW & ASSOC

Mailing address (most recent filing)

P O BOX 375

COLUMBIA, TN 38402

Total comp: $264K
Commissions: $262K
Fees: $2K
Filings: 4
Sponsors: 4

Carrier mix

Where ROGER WITHEROW & ASSOC 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	$2.5M	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
TN	1	$2.5M	0.1%	65.16x

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 ROGER WITHEROW & ASSOC's plans by broker comp / premium ratio. Median 6.22% vs welfare-wide median 6.31% (n=1).

Prospect-flag exposure · vs market baseline

Share of ROGER WITHEROW & ASSOC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where ROGER WITHEROW & ASSOC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
LOCAL GOVERNMENT CORPORATION LOCAL GOVERNMENT CORPORATION FLEXIBLE BENEFIT PLAN	TN	$2.5M	$154K	BLUECROSS BLUESHIELD OF TENNESSEE