Welfare broker

ROWLAND INSURANCE

Mailing address (most recent filing)

P.O. DRAWER 28

CHARLESTON, MS 38921

Total comp: $14K
Commissions: $14K
Fees: $0
Filings: 3
Sponsors: 3

Carrier mix

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

BOSTON MUTUAL LIFE INSURANCE COMPANY50.0%
BLUEBONNET LIFE INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BOSTON MUTUAL LIFE INSURANCE COMPANY	1	$34K	50.0%
BLUEBONNET LIFE INSURANCE COMPANY	1	$14K	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
MS	1	$14K	0.2%	124.24x
KY	1	$34K	0.0%	9.85x

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 ROWLAND INSURANCE's plans by broker comp / premium ratio. Median 12.65% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where ROWLAND INSURANCE is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
EDMONTON STATE BANK EDMONTON STATE BANK LONG TERM DISABILITY PLAN	KY	$34K	$5K	BOSTON MUTUAL LIFE INSURANCE COMPANY
SAYLE OIL MANAGEMENT COMPANY, LLC SAYLE OIL MANAGMENT COMPANY, LLC	MS	$14K	$1K	BLUEBONNET LIFE INSURANCE

Carrier

Plans

Premium

BOSTON MUTUAL LIFE INSURANCE COMPANY

$34K

50.0%

BLUEBONNET LIFE INSURANCE COMPANY

$14K

50.0%

State

Plans

Premium

State share

Index

$14K

0.2%

124.24x

$34K

0.0%

9.85x

Sponsor

Loc

Premium

Comp

Carrier

EDMONTON STATE BANK

EDMONTON STATE BANK LONG TERM DISABILITY PLAN

$34K

$5K

BOSTON MUTUAL LIFE INSURANCE COMPANY

SAYLE OIL MANAGEMENT COMPANY, LLC

SAYLE OIL MANAGMENT COMPANY, LLC

$14K

$1K

BLUEBONNET LIFE INSURANCE