Welfare broker

SHEILA GURIEN

Mailing address (most recent filing)

220 N MAIN

DYERSBURG, TN 38024

Total comp: $117K
Commissions: $117K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

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

TOSH FARMS WELFARE BENEFIT PLAN100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
TOSH FARMS WELFARE BENEFIT PLAN	1	$530K	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
TN	1	$530K	0.1%	64.91x

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 SHEILA GURIEN's plans by broker comp / premium ratio. Median 20.91% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where SHEILA GURIEN is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
TOSH FARMS TOSH FARMS WELFARE BENEFIT PLAN	TN	$530K	$111K	TOSH FARMS WELFARE BENEFIT PLAN