Welfare broker

SHADES CREEK WEALTH ADVISORS INC

Mailing address (most recent filing)

2318 2ND AVE NORTH

BIRMINGHAM, AL 35203

Total comp: $7K
Commissions: $7K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

Where SHADES CREEK WEALTH ADVISORS INC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

PRUDENTIAL INSURANCE COMPANY OF AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
PRUDENTIAL INSURANCE COMPANY OF AMERICA	2	$98K	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	2	$98K	0.2%	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 SHADES CREEK WEALTH ADVISORS INC's plans by broker comp / premium ratio. Median 15.00% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of SHADES CREEK WEALTH ADVISORS INC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where SHADES CREEK WEALTH ADVISORS INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
COWIN EQUIPMENT CO INC COWIN LONG TERM DISABILITY PLAN	AL	$59K	$9K	PRUDENTIAL INS CO OF AMERICA
COWIN EQUIPMENT CO INC COWIN GROUP LIFE & ADD	AL	$39K	$6K	PRUDENTIAL INS CO O AMERICA

Carrier

Plans

Premium

PRUDENTIAL INSURANCE COMPANY OF AMERICA

$98K

100.0%

State

Plans

Premium

State share

Index

$98K

0.2%

107.78x

Sponsor

Loc

Premium

Comp

Carrier

COWIN EQUIPMENT CO INC

COWIN LONG TERM DISABILITY PLAN

$59K

$9K

PRUDENTIAL INS CO OF AMERICA

COWIN EQUIPMENT CO INC

COWIN GROUP LIFE & ADD

$39K

$6K

PRUDENTIAL INS CO O AMERICA