Welfare broker

SCOTT WATERS

Mailing address (most recent filing)

3770 AMRUTH DRIVE

MOBILE, AL 36608

Total comp: $38K
Commissions: $36K
Fees: $2K
Filings: 4
Sponsors: 4

Carrier mix

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

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$256K	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
AL	1	$256K	0.1%	107.78x

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 SCOTT WATERS's plans by broker comp / premium ratio. Median 13.99% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where SCOTT WATERS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
HAND ARENDALL, L.L.C. HAND ARENDALL HARRISON SALE, LLC ACCIDENTAL DEATH & DISMEMBERMENT PLAN	AL	$256K	$36K	GUARDIAN