Welfare broker

SMITH, THOMAS, CHRISTOPHER

Mailing address (most recent filing)

798 BERRY RD

PO BOX 40386

NASHVILLE, TN 37204

Total comp: $221K
Commissions: $205K
Fees: $16K
Filings: 107
Sponsors: 107

Carrier mix

Where SMITH, THOMAS, CHRISTOPHER places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNUM LIFE INSURANCE COMPANY OF AMERICA50.0%
LIFE INSURANCE COMPANY OF NORTH AMERICA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNUM LIFE INSURANCE COMPANY OF AMERICA	1	$41K	50.0%
LIFE INSURANCE COMPANY OF NORTH AMERICA	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
NJ	1	$2.1M	0.0%	23.28x
MN	1	$41K	0.0%	24.79x

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 SMITH, THOMAS, CHRISTOPHER's plans by broker comp / premium ratio. Median 5.86% vs welfare-wide median 6.40% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where SMITH, THOMAS, CHRISTOPHER is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
HOLTEC INTERNATIONAL HOLTEC INTERNATIONAL HEALTH BENEFIT PLAN	NJ	$2.1M	$98K	LIFE INSURANCE COMPANY OF NORTH AMERICA
LAMB WESTON/RDO LAMB WESTON/RDO VOLUNTARY BENEFITS	MN	$41K	$3K	UNUM LIFE INSURANCE COMPANY OF AMERICA

Carrier

Plans

Premium

UNUM LIFE INSURANCE COMPANY OF AMERICA

$41K

50.0%

LIFE INSURANCE COMPANY OF NORTH AMERICA

$2.1M

50.0%

State

Plans

Premium

State share

Index

$2.1M

0.0%

23.28x

$41K

0.0%

24.79x

Sponsor

Loc

Premium

Comp

Carrier

HOLTEC INTERNATIONAL

HOLTEC INTERNATIONAL HEALTH BENEFIT PLAN

$2.1M

$98K

LIFE INSURANCE COMPANY OF NORTH AMERICA

LAMB WESTON/RDO

LAMB WESTON/RDO VOLUNTARY BENEFITS

$41K

$3K

UNUM LIFE INSURANCE COMPANY OF AMERICA