Welfare broker

SPHERIENT ADVISORS LLC

Mailing address (most recent filing)

6802 PARAGON PLACE, SUITE 126

RICHMOND, VA 23230

Total comp: $176K
Commissions: $89K
Fees: $87K
Filings: 6
Sponsors: 6

Carrier mix

Where SPHERIENT ADVISORS LLC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNITEDHEALTHCARE INSURANCE COMPANY33.3%
UNITED OF OMAHA LIFE INSURANCE COMPANY33.3%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	1	$2.7M	33.3%
UNITED OF OMAHA LIFE INSURANCE COMPANY	1	$56K	33.3%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$111K	33.3%

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	3	$2.9M	0.1%	46.01x

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 SPHERIENT ADVISORS LLC's plans by broker comp / premium ratio. Median 12.07% vs welfare-wide median 6.35% (n=3).

Prospect-flag exposure · vs market baseline

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

1-3 of 3 sponsors where SPHERIENT ADVISORS LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
CROSSROADS COMMUNITY SERVICES BOARD CCSB - CAFETERIA PLAN	VA	$2.7M	$108K	UNITEDHEALTHCARE INSURANCE COMPANY
JMS GROUP, LLC EPITOME NETWORKS WELFARE BENEFIT PLAN	VA	$111K	$15K	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA
OLD DOMINION MECHANICAL LLC OLD DOMINION MECHANICAL LLC	VA	$56K	$7K	UNITED OF OMAHA LIFE INSURANCE COMPANY

Carrier

Plans

Premium

UNITEDHEALTHCARE INSURANCE COMPANY

$2.7M

33.3%

UNITED OF OMAHA LIFE INSURANCE COMPANY

$56K

33.3%

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

$111K

33.3%

State

Plans

Premium

State share

Index

$2.9M

0.1%

46.01x

Sponsor

Loc

Premium

Comp

Carrier

CROSSROADS COMMUNITY SERVICES BOARD

CCSB - CAFETERIA PLAN

$2.7M

$108K

UNITEDHEALTHCARE INSURANCE COMPANY

JMS GROUP, LLC

EPITOME NETWORKS WELFARE BENEFIT PLAN

$111K

$15K

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

OLD DOMINION MECHANICAL LLC

$56K

$7K

UNITED OF OMAHA LIFE INSURANCE COMPANY