Welfare broker

SOUTHERN EMPLOYER BENEFITS, LLC

Mailing address (most recent filing)

1809 CORPORATE DRIVE

OPELIKA, AL 36801

Total comp: $67K
Commissions: $65K
Fees: $2K
Filings: 2
Sponsors: 2

Carrier mix

Where SOUTHERN EMPLOYER BENEFITS, LLC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$298K	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
AL	1	$298K	0.1%	107.78x

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 SOUTHERN EMPLOYER BENEFITS, LLC's plans by broker comp / premium ratio. Median 11.71% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of SOUTHERN EMPLOYER BENEFITS, LLC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where SOUTHERN EMPLOYER BENEFITS, LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
SOUTHERN STATES BANK SOUTHERN STATES BANK DENTAL, VISION, LIFE, AND DISABILITY COVERAGES	AL	$298K	$35K	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

Carrier

Plans

Premium

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

$298K

100.0%

State

Plans

Premium

State share

Index

$298K

0.1%

107.78x

Sponsor

Loc

Premium

Comp

Carrier

SOUTHERN STATES BANK

SOUTHERN STATES BANK DENTAL, VISION, LIFE, AND DISABILITY COVERAGES

$298K

$35K

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA