Welfare broker

RONALD E KIRKLAND

Mailing address (most recent filing)

1044 HARBOR RIDGE ROAD

GUNTERSVILLE, AL 35976

Total comp: $91K
Commissions: $86K
Fees: $5K
Filings: 43
Sponsors: 43

Carrier mix

Where RONALD E KIRKLAND places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

COMPANION LIFE INSURANCE COMPANY50.0%
CIGNA HEALTH AND LIFE INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
COMPANION LIFE INSURANCE COMPANY	1	$329K	50.0%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$539K	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
TN	1	$539K	0.1%	32.46x
OH	1	$329K	0.0%	3.86x

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 RONALD E KIRKLAND's plans by broker comp / premium ratio. Median 14.30% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where RONALD E KIRKLAND is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
PRIMESTER GP PRIMESTER GP DBA CERDIA WELFARE BENEFITS PLAN	TN	$539K	$70K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
HOMELAND CREDIT UNION, INC. HOMELAND CREDIT UNION, INC. EMPLOYEE HEALTH & WELFARE BENEFIT PLAN	OH	$329K	$51K	COMPANION LIFE INSURANCE CO

Carrier

Plans

Premium

COMPANION LIFE INSURANCE COMPANY

$329K

50.0%

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$539K

50.0%

State

Plans

Premium

State share

Index

$539K

0.1%

32.46x

$329K

0.0%

3.86x

Sponsor

Loc

Premium

Comp

Carrier

PRIMESTER GP

PRIMESTER GP DBA CERDIA WELFARE BENEFITS PLAN

$539K

$70K

CIGNA HEALTH AND LIFE INSURANCE COMPANY

HOMELAND CREDIT UNION, INC.

HOMELAND CREDIT UNION, INC. EMPLOYEE HEALTH & WELFARE BENEFIT PLAN

$329K

$51K

COMPANION LIFE INSURANCE CO