Welfare broker

SANDRA P MILLER

Mailing address (most recent filing)

12910 SHELBYVILLE RD STE 138

LOUISVILLE, KY 40243

Total comp: $4K
Commissions: $4K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

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

THE LINCOLN NATIONAL LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
THE LINCOLN NATIONAL LIFE INSURANCE COMPANY	1	$52K	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
KY	1	$52K	0.0%	19.70x

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 SANDRA P MILLER's plans by broker comp / premium ratio. Median 13.51% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where SANDRA P MILLER is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
KENTUCKY HIGHER EDUCATION STUDENT LOAN CORPORATION KENTUCKY HIGHER EDUCATION STUDENT LOAN CORPORATION GROUP SHORT TERM AND LONG TERM DISABILITY	KY	$52K	$7K	THE LINCOLN NATIONAL LIFE INSURANCE COMPANY