Welfare broker

SCOTT WATERS

Mailing address (most recent filing)

3770 AMRUTH DR.

MOBILE, AL 36608

Total comp: $85K
Commissions: $83K
Fees: $2K
Filings: 5
Sponsors: 5

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 AMERICA50.0%
BLUE CROSS OF CALIFORNIA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$256K	50.0%
BLUE CROSS OF CALIFORNIA	1	$2.1M	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
AL	2	$2.4M	0.2%	106.45x

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 8.08% vs welfare-wide median 6.40% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors 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, L.L.C. HEALTH AND WELFARE PLAN	AL	$2.1M	$47K	BLUE CROSS AND BLUE SHIELD OF ALABAMA
HAND ARENDALL, L.L.C. HAND ARENDALL HARRISON SALE, LLC ACCIDENTAL DEATH & DISMEMBERMENT PLAN	AL	$256K	$36K	GUARDIAN

Carrier

Plans

Premium

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

$256K

50.0%

BLUE CROSS OF CALIFORNIA

$2.1M

50.0%

State

Plans

Premium

State share

Index

$2.4M

0.2%

106.45x

Sponsor

Loc

Premium

Comp

Carrier

HAND ARENDALL, L.L.C.

HAND ARENDALL HARRISON SALE, L.L.C. HEALTH AND WELFARE PLAN

$2.1M

$47K

BLUE CROSS AND BLUE SHIELD OF ALABAMA

HAND ARENDALL, L.L.C.

HAND ARENDALL HARRISON SALE, LLC ACCIDENTAL DEATH & DISMEMBERMENT PLAN

$256K

$36K

GUARDIAN