Welfare broker

STEPHEN MICHAEL DAVIS

Mailing address (most recent filing)

2100 TEQUESTA TRL

NOKOMIS, FL 34275

Total comp: $12K
Commissions: $12K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

Where STEPHEN MICHAEL DAVIS 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	$435K	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
NY	1	$435K	0.0%	19.82x

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 STEPHEN MICHAEL DAVIS's plans by broker comp / premium ratio. Median 2.67% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of STEPHEN MICHAEL DAVIS's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where STEPHEN MICHAEL DAVIS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
CNY FERTILITY CENTER CNY FERTILITY CENTER WELFARE BENEFITS	NY	$435K	$12K	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA