Welfare broker

STEVEN G. COSBY, INC.

Mailing address (most recent filing)

53 SOUTH 3RD STREET SUITE 210

WARRENTON, VA 20186

Total comp: $98K
Commissions: $51K
Fees: $47K
Filings: 1
Sponsors: 1

Carrier mix

Where STEVEN G. COSBY, 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	$1.5M	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	$1.5M	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 STEVEN G. COSBY, INC.'s plans by broker comp / premium ratio. Median 7.01% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of STEVEN G. COSBY, INC.'s book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where STEVEN G. COSBY, INC. is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
THE MATTHEWS GROUP, INC. DBA TMG CONSTRUCTION CORP. TMG CONSTRUCTION CORP. WELFARE BENEFITS PLAN	VA	$1.5M	$106K	CIGNA HEALTH AND LIFE INSURANCE COMPANY