Welfare broker

SPHERIENT ADVISORS LLC

Mailing address (most recent filing)

6802 PARAGON PL STE 126

RICHMOND, VA 23230

Carrier mix

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

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	1	$2.7M	25.0%
UNITED OF OMAHA LIFE INSURANCE COMPANY	1	$89K	25.0%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$99K	25.0%
AETNA LIFE INSURANCE COMPANY	1	$2.2M	25.0%

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	4	$5.1M	0.2%	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 SPHERIENT ADVISORS LLC's plans by broker comp / premium ratio. Median 8.01% vs welfare-wide median 6.29% (n=4).

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.

1-4 of 4 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
VETEVOLVE OF VA LLC VETEVOLVE OF VA LLC BENEFIT PLAN	VA	$2.2M	$24K	AETNA LIFE INSURANCE COMPANY
JMS GROUP, LLC EPITOME NETWORKS WELFARE BENEFIT PLAN	VA	$99K	$13K	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA
OLD DOMINION MECHANICAL LLC OLD DOMINION MECHANICAL LLC	VA	$89K	$11K	UNITED OF OMAHA LIFE INSURANCE COMPANY