Welfare broker

SMITH, THOMAS, CHRISTOPHER

Mailing address (most recent filing)

798 BERRY RD

PO BOX 40386

NASHVILLE, TN 37204

Total comp: $293K
Commissions: $272K
Fees: $20K
Filings: 108
Sponsors: 108

Carrier mix

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

LIFE INSURANCE COMPANY OF NORTH AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
LIFE INSURANCE COMPANY OF NORTH AMERICA	1	$2.1M	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
NJ	1	$2.1M	0.0%	46.37x

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 4.76% vs welfare-wide median 6.29% (n=1).

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.

1-1 of 1 sponsor 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