Welfare broker

SOUTH-WEST INSURANCE AGENCY INC.

Mailing address (most recent filing)

132 11TH STREET SW

PO BOX 700

NORTON, VA 24273

Total comp: $216K
Commissions: $147K
Fees: $69K
Filings: 7
Sponsors: 7

Carrier mix

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

CIGNA HEALTH AND LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$1.9M	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
VA	1	$1.9M	0.0%	45.89x

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 SOUTH-WEST INSURANCE AGENCY INC.'s plans by broker comp / premium ratio. Median 4.43% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
ST. CHARLES HEALTH COUNCIL, INC. D/B/A STONE MOUNTAIN HEALTH SERVICES CAFETERIA PLAN	VA	$1.9M	$85K	CIGNA HEALTH AND LIFE INSURANCE COMPANY

Carrier

Plans

Premium

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$1.9M

100.0%

State

Plans

Premium

State share

Index

$1.9M

0.0%

45.89x

Sponsor

Loc

Premium

Comp

Carrier

ST. CHARLES HEALTH COUNCIL, INC. D/B/A STONE MOUNTAIN HEALTH SERVICES

CAFETERIA PLAN

$1.9M

$85K

CIGNA HEALTH AND LIFE INSURANCE COMPANY