Welfare broker

SMDO INSURANCE AGENCY, INC.

Mailing address (most recent filing)

15308 B SPENCERVILLE CT

BURTONSVILLE, MD 208661655

Carrier mix

Where SMDO INSURANCE AGENCY, INC. places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNUM LIFE INSURANCE COMPANY OF AMERICA	1	$204K	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
DC	1	$204K	0.2%	176.94x

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 SMDO INSURANCE AGENCY, INC.'s plans by broker comp / premium ratio. Median 3.48% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of SMDO INSURANCE AGENCY, INC.'s book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where SMDO INSURANCE AGENCY, INC. is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
LABORERS INTERNATIONAL UNION OF NORTH AMERICA LABORERS INTERNATIONAL UNION OF NORTH AMERICA LONG TERM DISABILITY PLAN	DC	$204K	$7K	UNUM LIFE INSURANCE COMPANY OF AMERICA

Carrier

Plans

Premium

$204K

100.0%

State

Plans

Premium

State share

Index

$204K

0.2%

176.94x

Sponsor

Loc

Premium

Comp

Carrier

LABORERS INTERNATIONAL UNION OF NORTH AMERICA LONG TERM DISABILITY PLAN

$204K

$7K

UNUM LIFE INSURANCE COMPANY OF AMERICA